BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently in the process of a refinance. Very clean /easy process, except ... the company I have a XXXX mortgage with XXXX Discover XXXX is listed XXXX on the deed of trust. Their mistake. My loan needs to go to funding like yesterday and ca n't move forward until a letter of re-conveyance is done by Discover. They said they ca n't get one out for another 3 weeks or so. This is causing me a financial hardship and not to mention, now discover will get another months interest/payment since we can no longer pay off the loan on time. As a matter of fact, my loan will not go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-02
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My number is listed on the National Do Not Call Registry. However, I have received XXXX calls from XXXX since XXXX/XXXX/15. They call up to XXXX times a day between XXXX and XXXX This number has several complaints on XXXX. It is identified as a debt collector from Midland Credit Management. This company left a message on my answering machine for a debt pertaining to a person named XXXX. I do not know who that person is, nor how this company got my telephone number, since I have not done business with them or owe them anything. The calls are a nuisance/harrassing. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midland credit management , inc . Sent me 2 threatening letters in less than a month. In the first letter I received I was given until XX/XX/XXXX to reply or they may forward my case to an attorney in my area. 
The second letter I received gave me until XX/XX/XXXX to reply. The second letter is dated XX/XX/XXXX. I received the letter on the XXXX. I dispute this debt, and I feel threatened and intimidated by the language they used, and the tactics they are using

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 15 year second mortgate that I have paid to HSBC on the XXXX for the last ten years. 3 times this year, they applied the entire amount ( {$600.00} ) that I sent to the interest and charged me a late fee for not paying the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
THIS COMPANY HAS THE WORST CUSTOMER SERVICE EVER. I HAVE BEEN CALLING FOR 2 WEEKS BUT THE DEPT I NEED IS NEVER AVAILABLE. THE REPS HANG UP ON ME CONSTANTLY OR THEY ; XXXX PLACE ME ON HOLD THEN HANG UP. I NEED A DISPUTE MARK ON MY CREDIT REPORT TO BE REMOVED. THE ONE TIME I SPOKE WITH A REP IN THE CORRECT DEPT THEY GAVE MEBAD INFORMATION THEN PLACED ME ON HOLD THEN HUNG UP. PLEASE HELP )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion improperly re-inserted inquiries back on my credit file without following the proper procedures mandated by the Fair Credit Reporting Act.. 

THE FOLLOWING INQUIRIES ARE REPORTING IN ERROR AND NEED TO BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX- XXXX/XXXX/XXXX 11. XXXX ( XXXX ) XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX 20. XXXX XXXX 21. XXXX XXXX 22. 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

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 2015-08-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian sent me a letter, in response to my certified letter of dispute, claiming that my letter was suspicious and being disregarded, and that they were contacting law enforcement. When I called and told them it was not suspicious, they asked for my credit report number or SS # as verification. I gave them the credit report number from the credit report I had received from them, which was also included in my letter, which they deemed suspicious. I said I have the post office certified receipt, and could send a copy of that as proof. The representative on the phone told me if I sent more letters, they would also be deemed suspicious, and not acted upon, and I would simply receive more letters like the one I received today, stating that my letter was suspicious.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that Experian immediately update and correct the address listed on the Experian Credit File to read : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to correctly identify me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested validation of collections/ negative accounts on my credit report and I received what looks like a bill/statement. They did not properly validated these accounts and I request removal of these accounts from my credit report. These accounts are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Pretender lender loan servicer " Ocwen Loan Servicing '' sent me a delinquency notice regarding the fraudulent {$750000.00} loan modification I signed under fear and distress to avoid Ocwen 's fraudulent foreclosure and trustee sale. I do n't own pretender lender loan servicer a single XXXX, in-fact they own me money. Its a good thing Ocwen XXXX hide behind there computer like little children because they would n't dare get in my face. Ocwen you XXXX have been found guilty of many violations and fraud through your XXXX years. XXXX, not XXXX. Keep on hiding behind your computers Ocwen little children. You are a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 2016-11-02
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have contacted Ditech for escrow refund ( home has been sold ) three times. No email replies to online request. This company never replies to any customer requests. I have to go out of my way to contact them for anything needed. The company lacks any type of customer concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I 've asked to cease communication with XXXX XXXX on several occasions but I continue receive written correspondence and telephone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I did not receive any of my welcome bonus offers from my American Express XXXX card after finishing the required purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A company is harrasing me by calling me, my father, and my grandmother telling me I have a warrant out for my arrest. At XXXX, it was aggravated assault and then they corrected themselves and have told me it was for check fraud under a law titled Check XXXX Law. 

They had all my personal information that dated back to when I was in highschool and had a bank account with XXXX XXXX XXXX. I found out that they work with ChecknGo and that they are requesting a debt that was paid off years ago. They did n't even know the difference between the city and the county. They told me XXXX, XXXX was in XXXX XXXX. Which it is not. 

They 're number is XXXX which is in XXXX. They are saying that they are a district attorney office. I called the state Marshall and the prosecutor office. They had nothing on file with my name. I want them to stop harrasing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My XXXX issued me a Bank of America debit card through which I would receive payment for XXXX. I am no longer with that XXXX XXXX and called the Bank to close the account. They said I should expect a check in the mail in 7 to 10 business days. That was in XXXX. It 's now been 2 and 1/2 months. And after repeated calls still no check. They said my first and last names were switched. The first XXXX and last XXXX digits of my account are XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
More files to upload as cfpb does not allow more then 10 MB, and total MB I have regarding is around 39 MB

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 2015-11-05
Company: FINANCIAL MANAGEMENT  SOLUTIONS (NY)
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company just tried to scam me. A lady named XXXX ; First sign is that they did n't disclose the company name. They first said I owed money to XXXX XXXX XXXX bank, The second call said I owed XXXX BANK, and they wanted to serve me court papers. They tried to get me to verify my personal information.. I did not. 
Anyway, I called both institutions and they said nope you do n't owe us and we have no records saying that we were taking legal action against you. 
So I called this number back and told that I contacted both institutions and I do n't owe them. So the lady on the phone says No this is actually for XXXX XXXX Loans. I said first you say XXXX Bank, then you say XXXX XXXX XXXX, NOW your saying a payday loan.. lol Nope I do n't owe you [ *** ] but if you call this number again you will hear from my lawyer. 
Secondly I typed this number into google search and nothing but complaints came up and an additional number from XXXX Colorado also appeared. I called that number ( THE XXXX NUMBER ) XXXX and it was the same person that called stating they were suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is this woman that calls all night and all day from Capital One. It sounds like a recorded message. She blocks her calls but I was able to find a weird address XXXX She calls at all hours, Once, I tried to pick up the phone but no one is there

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another one of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XX/XX/XXXX, when my last credit report pulled was XX/XX/XXXX and they were no where to be found.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received no communication whatsoever from this company about a debt that is now on my credit report. I never had any business dealings with this company. After challenging the debt reported on my credit report the company still refuses to take the erroneous listing off my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My husband got a bill from capital one in his name for a credit card that he did n't have, granted the balance due was XXXX..but our concern was who got a card in his name?? ..He called the fraud dept the next day and was told they were sending out paperwork he would need to fill out.. ( never got that ) ..but 2 weeks later got a balance transfer linked to same account..he called back ( they apologized and said they were sending out the paperwork ) ... never got it! ... today got another balance transfer letter with a DIFFERENT account number from the XXXX XXXX!! .So I called and was put on the phone with a supervisor who cut me off quickly to say she would not speak to me because my name was n't on the account..Well what have you done for the person who did call you XXXX and " These are NOT his accounts either '' ... .So my reply was welp I guess when there is XXXX of dollars spent on these cards..it will be on you..cause I bet you will wan na talk to me then! ... We do have several Capital One Accounts..And will be in the process of switching my credit card company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Provided Info for potential employer to perform background check. Employer said my name and SS # did not match up. I attempted to get the reports myself from XXXX but all three companies were unable to fulfill my request with no explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I received a Pay Day loan of {$550.00} and could not pay on due date so I started to pay little at a time until I was left only with {$180.00}, on XXXX XXXX 2016, Advance America deposit my check withdrawing from my account {$550.00}, I immediately went to the office of Advance America and they told me that 's the way they do business. Question, is this legal procedures? I was planning to take care of the {$180.00} the end of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: Credit Solutions LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid debt to XXXX XXXX XXXX through a settlement with their lawyer in 2015. Now XXXX XXXX is using a different lawyer who says that settlement in 2015 is null and void and I have to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX, Take this number XXXX out of your XXXX atomated calling. You have no XXXX reason to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: FL
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:
In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX submitted dispute charges on his Debt card with USAA and USAA issued credit for those disputed charges. Then over 70 days later took the money back out of our account without no warning and no advanced warning. Called and Called trying to rectify the situation and to no avail even the XXXX office and not XXXX party would help or explain how they could violate their own agreement with XXXX that they have 60 days to reverse charges and/or mediate the dispute as well. Those charges hurt our family in major ways we were staying in a hotel room paying day by day and living day by day and trying to get a new permanent home as well. Which our check bounced for deposit our insurance payment bounced and stressed out for no valid reason per ethics or contract law. We even asked for help from their donation department to help and they could not help us out with a deposit for our new permanent home. Our account become overdrafted and we moved our direct deposits to another bank, Once over drafted and we owed them money for the past money we are locked out of our other accounts other than paying the bills on our mobile device we can not pull old statements from our bank accounts, add a car online to our insurance or pull old statements on our credit card or market account. Documented on Facebook as well as other notes and a printout showing how we our locked out of our account. XXXX XXXX was punished just the past 60 days for this behavior. When we call to get resolution we are on eternal hold for over XXXX30 minutes several times. USAA violated the trust given to them by many and business ethics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation