BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Following a transfer of my mortgage to RoundPoint mortgage from XXXX XXXX XXXX, RoundPoint Mortgage 's took an excessively long turnaround time to remit payment of my flood insurance policy to my insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX despite being contacted multiple times by email, fax and mail. XXXX XXXX contacted RoundPoint Mortgage by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies. Due to the excessive delays, the net increase cost for the policy was {$1300.00}. This was due both to their inability to properly receive transfer of my mortgage and their excessively long time to remit payment to my flood insurance company, despite multiple, documented attempts via email, phone and fax. I am demanding RoundPoint mortgage cover the full {$1300.00} difference due to their failure to properly transfer my mortgage and handle their requisite responsibilities. 

Full timeline : XX/XX/XXXX : Mortgage transferred to RoundPoint from XXXX XX/XX/XXXX : through XX/XX/XXXX : RoundPoint failed to transfer policy information from XXXX XX/XX/XXXX : 53 days after transferring my mortgage, RoundPoint mortgage contacts my insurance company to retrieve policy information XX/XX/XXXX : Homeowner and Flood policies were amended by XXXX XXXX to reflect RoundPoint as the new mortgage servicer. 

XX/XX/XXXX : A copy of the expiring flood policy and flood renewal bill were uploaded to RoundPoint Mortgage with instructions for the bank to remit payment directly to XXXX XXXX XXXX. 

XX/XX/XXXX : XXXX XXXX received a voice mail message from XXXX at RoundPoint Mortgage acknowledging receipt of the flood bill for the XXXX to XXXX term and requesting verification if the payment was still due. 

XX/XX/XXXX : Once again, XXXX contacted RoundPoint Mortgage and verbally confirmed with them to remit payment immediately to XXXX XXXX. Another copy of the bill was faxed to RoundPoint Mortgage per their request. The check for {$690.00} was not received by XXXX XXXX until XX/XX/XXXX which is outside the grace period. 

XX/XX/XXXX : XXXX contacted me explaining that RoundPoint 's multiple failures and delays throughout this process, despite being contacted multiple times both by phone and email, resulted in the grace period expiring and a re-write of the policy being required. As required by FEMA, the new flood rating methodology that became effective for all FEMA flood policies resulted in the same policy increasing from {$690.00} to {$2000.00}. 

XXXX XXXX contacted RoundPoint Mortgage multiple times by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies.

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 2023-08-19
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:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAIN, and I'm including it again XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$310.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$1700.00}.

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 2023-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called over the last XXXX days under XXXX different numbers ( The Company goes by the name Portfolio Recovery & has a history of making false debt claims ). They are not nor have ever been affiliated with the XXXX credit card companies I use ( XXXX of which is in my mother 's name. 

They have already lost in previous legal action as seen below, but continue to harass me! 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a secondary complaint with reference to the first complaint I submitted NO. XXXX. Fully understand that you have a right to close my account with no knowledge as to why you are closing it. What I do not understand is why funds can be returned to the IRS when you were aware that the tax return belonged to someone else as stated and showing in the history in online banking. You permitted me to withdraw {$850.00} between 2 days before blocking the account when I went to withdraw XXXX. The tax return that was deposited into my account was from XXXX and XXXX XXXX. Who you refuse to speak with to clear this matter up. I even asked if could have tax return faxed to the office to prove the funds meant for me and was told that I could but not sure what would be done with the documents. Wouldn't speak to them with my authorization or by setting up a code word to verify that was who you were speaking with. Told couldn't be done. So if no fraud case being set up and not able to clear my name with the XXXXXXXX XXXX  help. Why is over {$20000.00} being sent back to the IRS? The funds were provided to me because I have been out of work 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I still am not back to work and those funds are to help pay for a vacation and medications along with paying medical bills. So please do not send the funds back to the Irs forward the funds in a certified check to my home address. Documentation can be provided to prove funds come to me.

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 2023-08-21
Company: TD BANK US HOLDING COMPANY
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I visited the car lot on XX/XX/XXXX. I had recently had a bankruptcy XXXX on XX/XX/XXXX. I was told when I came to the car place that day after my credit was ran that my credit score was too low and that I would have to put down like XXXX or more on a car to be able to purchase one from the lot. So I left and went home. Within an hour or two, I received a phone call from the sales representative asking if I could come back to the lot that they had found a car for me. I took the bus to the lot. When I got there the sales person let me test drive a XXXX XXXX XXXX. It was nice but I wasn't aware of the issues I was about to have. Once we got back to there office I had to get insurance for the vehicle which was a hassle because I had only came to the lot with XXXX dollars and they were originally asking me to put down XXXX for the car. They took it down to XXXX so that I could get insurance. After receiving the paperwork I noticed that my car loan was {$740.00} dollars a month and I could understand how. At the time I wasn't even aware or told that my interest was 29.99 %. I would have never agreed to that. 
Also, the sales person put a stick on the window which I assumed was the new safety inspection but I found out that was an expired safety inspection. Warranty didn't even cover the tires because I got a nail in it a day or so after that and had to buy new tires. Anyway, fast forward to now XX/XX/XXXX, I had to pay for my own ID/OD inspection because it was too much of a hassle dealing with them. Also, I just noticed that if I paid off the loan in full it would be {$53000.00}. I still haven't gotten the car titled yet and I feel as though my information was compromise or something to get this auto loan because I didn't know anything about it and had I known it I would have never agreed to it coming right out of a bankruptcy with no a lot of income! I feel I was all around scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CarMax, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I need you to investigate the following account : CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX In accordance to the fair credit reporting act this has creditor has violated my rights under 15 USC 1681 Section 602 states I have a " Right to privacy. '' 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B " A creditor may not treat under an open and consumer credit plan as late for any purpose. Im requesting immediate removal for the following occurrences of my rights being violated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I signed up for a " free '' credit check with Trans union because I had just found out my SSN had been stolen. Today on XX/XX/XXXX I was charged XXXX without my permission and when I tried to contact them I was speaking with someone in another country and she could not help me solve any of these problems.

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 2022-09-23
Company: EQUIFAX, INC.
State: CA
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 its response to Complaint # XXXX, Equifax falsely claimed that there were no freezes or blocks or anything else to prevent access to credit files. 

Independent consumer investigation disclosed that in fact such a block had been existence since XX/XX/2022 with the simple remedy of transmission of ID docs to Equifax fax # XXXX. I am in possession of those faxed documents as well as the fax confirmation dated XX/XX/2022 XXXX XXXX  documenting the transmission of said documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Barclays XXXX Rewards Card ~ XX/XX/22 Tried to log into the account to make a payment, wouldn't allow access, it said information 'password/log in was incorrect '. Upon checking further we saw that the phone # to text us at had been changed and a different email was added to the account. We called ( XXXX ) to correct the information ( XXXX separate times ) after all of our information was given, all security questions answered we were told it had to be passed on to another department, we were told the other dept. was not available/busy, and asked to call back in an hour. After the second time calling we decided to put the card on hold to make sure it couldn't be used. XX/XX/22 ~ Following day tried once again to correct the information on the account were told they would NOT remove the hold that we put on it that they were turning the account over to the fraud department. Fraud dept. demanded a copy of front and back of Drivers LicXXXX, Social Security card and utility bill. We refused ( have been told repeatedly NOT TO GIVE THIS INFORMATION OUT TO ANYONE by police, lawyer and News ). They refused to help at all ~ said there was fraudulant activity on the account ( which there wasn't ~ no claims were made, no activity on the card, bills have been paid on time with no problems ) Would not offer any alternative so we asked to close the account, they refused to do that ( finally did get that done with another supervisor ). Both of the cards have been shredded, account has been closed but they still refuse to let us have access to even PAY the bill. We were told that it would have to be paid by check ( which we haven't done for years ), they wouldn't send an email with the statement due in XXXX, wouldn't make our account accessible to pay via internet and couldn't get the computer system to work in order to change to a paper statement. We have had this card for years ~ never encountered anything like this before and quite frankly are shocked that we were treated like we were criminals!! The woman in the fraud department made it very clear that we did things her way ( sending copies of legal documents etc., for no reason ) or we were out of luck. There is no way to check the account to see what 'auto payments ' were set up to the account, no access to the statements, no way to pay the bill accept via mail. Mail is extremely unreliable right now. It is ridiculous when we did NOTHING to cause this!! We've lost our reward points to top it all off. Please advise.

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 2019-11-16
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Yesterday I filed a complaint with cfpb about Freedom Debt Relief. The case number is : XXXX. CFPB contacted Freedom Debt Relief LLC to resolve the matter. However, my payoff amount with XXXX XXXX XXXX  was {$390.00} before contacting CFPB. Upon looking into my dashboard on the Freedom Debt website, the payoff amount has changed to {$420.00}. Also, I think they may be hiding some of the money that I deposited into their account. Is there any way that cfpb can audit this company to make sure that they are not stealing funds from customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Starting in XX/XX/2022, I have received multipke notifications from XXXX different banks with info about credit card applications that I never made - fraudulent applications apparently made by somebody else using ny name and info. The banks are Comenity Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have received letters from these banks urging me to lift my credit report freeze so they can issue the fraudulent card, and to confirm false fraudulent address changes that I did not make. 
I have written letters to all these banks or called them to warn them of the identity theft and to cancel these applications or accounts. 
XXXX of the banks, Comenity and XXXX XXXX XXXX, have sent me letters about additional fraudulent credit card applications after I already warned them that these are fraudulent. 
In my opinion, it is fraud and harassment to continue to process multiple fraudulent applications after I told them about the identity theft, and this poinr the banks have been so unresponsive that I suspect one if them, Comenity, is making the fraudulent applications themselves internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2022-12-05
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 my wife XXXX XXXX was scammed. A scammer hacked her XXXX account and froze it so she couldnt access it. She then looked up XXXX phone number on XXXX and called it thinking she was calling XXXX. The scammer answered and had her download a app called XXXX  which aloud him remote access to her phone including her venmo account, since he had control he sent money to a trusted friend which was my father XXXX XXXX. He used her account to send 5 different transactions worth XXXX dollars and each time he said they didnt work, he then got a hold of my dad and had him install the same app XXXX  and then sent it to a different account but told XXXX he was sending it back to XXXX XXXX After we realized it was a scam we immediately had our XXXX  checking account flagged and froze. We even filed a police report with our local police department. Venmo never heard from our bank so they fronted the money before XXXX  denied the authorization and is now telling us since they fronted the money we owe them the XXXX dollars and are threatening us with debt collection if its not paid. We have reached out to them by email several times explaining the situation and even sending them proof from our bank that they didnt authorize any payments. Each time they have denied our claim and my dads claims hes filed with them as well. Please help us, XXXX is a lot of money to be scammed out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to XXXX XXXX XXXX  lack of correction. I recently spoke with multiple representatives at XXXX XXXX XXXX  and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX XXXX. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for XXXX XXXX XXXX to rectify the late payment XX/XX/2021.

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