BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: ONE REVERSE MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Following is a copy of a letter ( personal info removed ) I have been trying unsuccessfully to get a response from HUD or some oversight institution : XXXX XXXXTo Whom It May Concern : First, thank you to anyone who may be able to help regarding my issue with HUD and a reverse mortgage application, I believe has been erroneously viewed and considered by One Reverse Mortgage. 
For more than a month, I have been trying to find a person or department of HUD with oversight over the reverse mortgage program. Return calls from HUD or various sub-offices where I was referred took two weeks to two days. Still it is unclear if and where I may appeal or get better clarification on a specific HUD regulation sited. 
Please assist or direct me to that exact person who has such authority and expertise. I believe I am totally justified in questioning how One Reverse Mortgage handled my application and the process, which began in XXXX. 
After more than two months and many man-hours of detailed work related to my case - out of the blue - I was told my condominium building did not qualify, because of some " found '' language allowing for 30-day rentals. 
Quickly I disputed this fact, forwarding the entire by-laws of our condo association, along with the separate specific excerpt citing that our building did NOT allow for 30-day rentals. " No residential unit shall be rented for transient or hotel purposes or in any event for an initial period of less than six months. '' This language was exactly what was necessary to show that the underwriter was incorrect in assessing my condo building. I still have no idea where that underwriter picked-up that 30-day language in the first place. Nobody would ever provide proof of that. 
As explained, I sent proof on my part - XX/XX/XXXX - more than one month ago. However, One Reverse Mortgage would not budge and terminated my application " cold ''. No amount of phone conversations or e-mails could sway anyone to re-open my case. I even forwarded the on-line HUD approval list which shows my building as approved until XX/XX/XXXX! 
There are more details I am happy to provide, but this is a summary of what transpired in the past month ( not including all the various HUD related offices I tried to contact ). I am so disappointed in the entire process. I spent the whole summer focused on securing much needed finances for a beloved project, thinking I was proceeding in the right direction and moving quickly at every step. Now I have nothing to show for my efforts and actually find myself in a worse position than when I began in XXXX. 
Suspicions are definitely creeping into my thoughts about reverse mortgages and their true worth. Sadly there may be elderly people who need support more than I. At least I am still an active and willing member of the country 's workforce - with the means to pay my taxes and insurance. 
Please please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
My complaint is against DISCOVER credit card company, who filed an unjust credit report against me to XXXX. 

I have been a Discover customer since XX/XX/XXXX, owning a Discover credit card. After opening this card, I have registered it online and asked for " paper-less statements and payment notifications '', giving my email address. Every month the statements and payment notifications were sent by Discover to my email. Based on that, every month I paid my statement in full and on time. 
During the year of XX/XX/XXXX I have used the Discover card much less. On XX/XX/XXXX I found out, purely by chance, that I had missed the XXXX payment ( {$48.00} that had been due on XX/XX/XXXX ). I immediately called Discover and made the payment. 
After further clarifications it became clear that my email address had been corrupted in their system, showing a weird domain name, instead of " XXXX ''. As a consequence, I had stopped receiving notifications about statements after XX/XX/XXXX. 
When I found out that Discover reported me to XXXX ( and possibly additional Credit Bureaus ) for " 30 days non-payment delinquency '', I 've called and requested them to cancel the reporting to the credit bureaus, since the delayed payment is a consequence of the glitch in the Discover system, but their representatives refused to remove the report. 

In three subsequent conversations, on XX/XX/XXXX, with several representatives and two supervisors, I asked to be contacted by a manager. No attempt was made by Discover to call me back. 
An additional attempt made by me to talk with a supervisor on XX/XX/XXXX failed, the call was disconnected - and nobody called me back. 
My written dispute to Discover ( via messaging on discover.com ) was addressed by XXXX, " Escalations Manager ''. XXXX inaccurately claimed " we did try to get in contact with you and left a voicemail on the phone ''. No such thing happened, as my phone records can prove. 

As of today, XX/XX/XXXX, I have not heard back with a resolution, and have decided to submit this complaint to CFPB, as I feel that I 've exhausted any possibility of receiving fair treatment from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a phone call from XXXX XXXX ( XXXX ) XXXX claiming to call from an XXXX office regarding an account from XX/XX/2013 regarding a debt from a XXXX XXXX 's credit account to inform me of a law suit pending. XXXX XXXX threatened me to move forward with this law suit unless I was willing to rectify the situation thru payment of the balance. I informed him that I had no knowledge of this account and that it was past the statue of limitations in the state of California, he responded that it was not and that he is aware of this because he works for an attorney. I again advised him that I had no knowledge and that he was breaking the law by communicating with me. At that point, it turned into a yelling competition but was able to get his name letting him know that I would be filing a complaint with the CFPB and hung up the phone. I then realized I did not get the name of the company XXXX XXXX was calling from. I called the number back and XXXX XXXX answered " mediation ''. I stated that I needed the name of the firm he represents and he responded " sure '' and hung up on me. I had to have my husband call the number from his cell phone and retrieve the firm 's name. Another representative answered and clearly stated and spelled out " Halsted Financial Services ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: National Arbitration Forum
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They called my job 4 times within 2 hours. I told them not to call me there and they told me they would call anytime they wanted. Also told me they were getting ready to take legal action against me. Said they were going to deliver legal papers to my home or work. Refused to give me their physical and/or mailing address. Stated they were under no legal obligation to. They refused to tell me why they were calling or what type of business they were. After some research I found they were a " debt collector ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
IDENTITY THEFT Hello, I am new XXXX XXXX XXXX XXXX XXXX XXXX in the United States. As I am currently applying for a job, I applied for a checking account in Capital One Bank and this was later on closed. I opened a deposit account in XXXX XXXX XXXX on the XXXX of XX/XX/2022 and it was also closed. The reason given : " based in whole or in part on information obtained from the consumer reporting agencies '', XXXX XXXX XXXX XXXX XXXX. and XXXX, I have a deposit account score of XXXX. 
On the contrary, I have no deposit account history in the United States. 
Therefore someone should be using my identity in the USA. 
I am calling for an immediate investigation into this matter. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. 
When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. 
I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. 
I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. 
When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. 
Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I just pulled my XXXX report and seen that I had an collection account from this company Rent Recovery Solutions and I was aware of this debt, so I called and spoke with a representative by the name of " XXXX XXXX '' she stated that she had to call me back because she was on another call, so I had given her my information and she called me back from XXXX she went on to tell me that I had an unpaid account with a community property by the name of XXXX and I informed her that I was n't aware of this debt and that it was n't mine, I asked her to tell me the spelling of the name on the account as that I 've had some issues in the past that 's been placed on my credit report which was n't mine, she did n't give me that information only went on to say that she would email me all of this information, still refusing my request to give me the spelling of the name on the account, she then proceeded to say that if you want to settle or make payment arrangements you can and again I told her that I was n't aware of this account and I 'm not paying. Not once did she state the mini Miranda and still asked me about money. I know my rights as a consumer and I know that this was one of my rights that 's been violated. I will be seeking law actions against this company and I want this debt removed from my credit that I know anything of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I called discover card XX/XX/XXXX to tell them that I lost my card. They froze the card and told me I would not have to worry about any charges on the card. I even asked if this applied to recurring charges from subscriptions. They said yes there would be XXXX charges on my account until I gave them my new credit card number. After checking my credit card statement, they lied and there was charges on my card. Why are there charges on an account that was reported lost? Discover should be liable for these charges after lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed.

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 2016-02-23
Company: Financial Corporation of America
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller continueso to call at least 3 to 4 times a week asking for personal information. Claiming they represent XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Debt not accurately verified. They have not produced a contract with my signature.

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 2016-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am aware that a dispute is currently ongoing with Experian. I wanted to present new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Experian credit report. I redacted text on the letter that is not relevant to my complaint however I do give Experian authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.

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 2022-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian provides no way to offer technical assistance to customers who have been locked out of their web services, effectively holding their credit reports hostage and rendering consumers unable to access credit if it is frozen. 

I have spent over 6 hours on a maze of circular phone support with no opportunity to discuss my issues with a real human being. The only other option they offer is to send a letter with all of my personal information to their headquarters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SPS It not showing or applying paid off loan amount of $ XXXX on loan XXXX and is refusing to refund escrow amount of {$1700.00} for a loan that has been paid off at XXXX XXXX XXXX XXXX Ca XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: State Collection Service, Inc.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My wife and I have past due medical accounts from XXXX and from XXXX that have been placed for collection with State Collections Services. I have on several occasions requested over the phone and through fax letters that any and all communication regarding these debts need to come to me through my email, my cell phone or my fax. Yet, CSS continues to try to make contact with my wife - either through her cell phone or at work - activities that I have expressly forbiddened and in clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from 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 2015-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} 2. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation