BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payments duplicated for XXXX and auto-retry withdrawn from my checking account and funds never applied to the balance on the credit card. as well one payment of XXXX and XXXX auto retried and never show a positive balance on the credit card account but withdrawn from my bank,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion remove this account as per enclosed documentation

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 2015-10-07
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my credit report XXXX XXXX, 2015. Prior to me receiving my credit report I was told that my information needed to be updated on my report. While doing that everything seemed okay i was asked if i wanted a report and I said yes. When I received my report there were XXXX collection companies from XXXX different medical companies stating unpaid bills. XXXX of the bills are {$90.00} and the other XXXX are {$35.00} and {$36.00}. All of the bills are coming from cities that I do not live in and from medical centers that I have never been to let alone heard of. I would like for these collection bills to be taken off from credit report because they are not mine and are currently holding me back from doing many things. I am not sure if while updating information something was put in incorrectly and that is why these bills are on my report I just would like them taken off. They have created a negative effect on my credit report and credit score and I would like them removed because they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX ( case # XXXX ) and XXXX XXXX, XXXX ( case # XXXX ), I filed to disputes the {$250.00} collection on my credit report by XXXX which located at XXXX, PA. ON XXXX XXXX, XXXX, which I checked my credit report for status, I noticed now, there are XXXX collections and they are duplicated reports for the same amount and the same dates on my credit reported for collections ( now, for XXXX x {$250.00} ). I called the Equifax to inform them for duplicated report error, They told me nothing they can do for me, I have a choice to open another dispute case which I did. The new dispute number is XXXX. Not only they did not put effort to resolve my disputes, they made my credit report worth than it was originally. The XXXX removed the report on my credit report on XXXX XXXX entirely.. It is very clear, it is their mistake. I need to remove the collection report entirely and the report by XXXX is not valid. Which I explained on my separate dispute regarding collection agency. 
The Equifax representative were extremely pushy and anxious to sell their service to me, which I refuse to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged.

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 2021-03-12
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I paid {$500.00} to AmeriSave Mortgage Company to lock in a 2.25 % interest rate on a 15 year refinance. I submitted ALL documentation requested by Amerisave consistently in a VERY timely manner. Two weeks of silence after submitting all requested documentation the Loan Originator and Loan Processor were non-responsive to requests for an update. I had to escalate to XXXX XXXX ( President of AmeriSave ) twice over the course of the next two weeks. The VP of Sales got involved and requested more information and assured me we would figure something out. Finally on XX/XX/2021 was notified by other executives at Amerisave that the debt to income ratio does not qualify for AmeriSave 2.25 rate on a 15  year mortgage. The result is totally acceptable to me but I believe there is a " bait and switch '' tactic being employed at AmeriSave to string people along. I advise everyone to be extremely careful in dealing with AmeriSave Mortgage. Clearly I should have been notified much sooner of the result in order to bring my application to some type of closure sooner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
MIDLAND FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was PAID and close i am no longer responsible for this account. According to the FCRA, MIDLAND FUNDING LLC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/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 2021-03-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I Applied for an auto loan and Experian credit reporting agency has me listed as deceased. I called them at XXXX. This number only takes you to menus, no access to a person. Every time I try a menu it shuts me down and says it can not confirm my Identity. No XXXX, give me someone to talk to so I can resolve this. I spent the next hour on there website and every time I try to get help it says it can not confirm my Identity. No XXXX, give me some direction. Can I get someone to contact me so I can send documents or give me a path to clear this up. This is absurd that you can report someone as deceased and then give them no way to contact you to understand how to clear it up. When they can't confirm your identity they should be required to reach out to you or send you an email with a way to contact them.

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 2016-10-19
Company: Shea Mortgage Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We sold our home and because of the new regulations we had to rent numerous storage units and find temporary housing rather than being able to do simultaneous closings as we have done for the past 40+ years! We have incurred XXXX dollars in incremental, unnecessary costs as a result of the new regulations that also require the mortgage companies document that the monies from the sale have POSTED, not be pending before they will send the new home purchase docs to underwriting. Add to this the additional days to review documents that take literally minutes to review and if an error is found the timer starts all over again! Today is XXXX XXXX and we are in day 12 of our limbo situation with no line of sight into a closing date. There was additional delays on the sale of our home as a result of the same regulations which added to our storage costs. Who is regulating these regulations and calculating the incremental XXXX dollars it is costing consumers to store their property and find alternative living arrangements? THIS IS NOT THE FAULT OF THE MORTGAGE COMPANY NOR THE TITLE COMPANIES, THIS IS A REGULATORY ISSUE! Also note, the address I am REQUIRED to provide in this complaint is my INTENDED address as I have no REAL mailing address as a result of these regulations! I am effectively HOMELESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I disputed a claim from XXXX XXXX that was denied due to proof that I authorized XXXX transactions using a PayPal account that I do not have that totals to {$1000.00}. I was informed that XXXX XXXX will not be refunding my money back until I submit more proof that I did not authorize the transactions. XXXX XXXX also stated that I will have to get that refund from the merchant, which is PayPal. I have been contacting PayPal about a refund, but they stated that since I filed a dispute against XXXX XXXX, that they have no power over getting me a refund. I continue to go back and forth with the XXXX companies but nothing is being done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my XXXX banking XXXX and I lost my phone number on XXXX, XXXX by the same perpetrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: I.C. System, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Debts reported for {$1700.00} and {$1000.00}. Company agreed to delete. Account closed and fraudulent charges. XXXX XXXX XXXXXXXX XXXX  agreed to write off balance as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I filed a dispute with TransUnion on XX/XX/2021 and have yet to receive any response in regards to the status of the dispute. I feel as if Im being taken advantage of at this point.

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 2016-10-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Experian report dated XXXX/XXXX/XXXX reflects XXXX inquiries for credit facilities for which I DID NOT apply : XXXX XXXX XXXX on XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, I XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX., XXXX XXXX XXXX/XXXX/XXXX. I suspected identity theft and have put fraud alerts on my credit reports with each of the XXXX credit bureaus. In the meantime, these inquiries need to be removed from my report as they were fraudulent. I reported them as fraud to Experian on XXXX/XXXX/XXXX but they have failed to remove the above listed fraudulent inquiries even though they placed a fraud alert on my report. These inquires are causing harm while looking for employment as they show as though I have applied for credit which I did not.

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 2016-09-29
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i had to refinance my home loan that i had with flagstar due to poor servicing on their part. 
now they are refusing to return XXXX dollars that my new lender overpaid to them in my settlement statement.flagstars payoff was for XXXX and my new lender paid them XXXX.this of course came out of my pocket.yesterday when i called them they told me that they were charging fees unknown to me thus i wasnt entitled to the overpayment.its my understanding that the payoff included all the fees associated with the loan to be paid off. 
finally theres the matter of XXXX dollars in escrow money that they are sitting on and not giving it back to me. 
i need for them to refund the escrow and the overpayment asap, since it doesnt belong to them.

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 2021-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio recovery associates llc has reported accounts to the XXXX  that is incorrect and costing me fees and penalties as well ... 3 credit cards were filed within a bankruptcy back in 2009 and accounts were : XXXX XXXX  visa, XXXX XXXX and XXXX money which all 3 show listed under one company ( portfolio recovery associates llc ) since then with incorrect information. It has long since past the statue of limitations since the filing of the bankruptcy and needs to be cleared from records including the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Google Compare Credit Cards Inc.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I attempted to dispute a charge, XXXX from XXXX of XXXX on XX/XX/XXXX, the transaction id is XXXX. However, the rep ( s ) I spoke to did not understand which transaction and reason for dispute. The first rep I spoke with insisted the transaction in question is a XXXX funds transfer on XX/XX/XXXX, a day prior, which it is not. Again, the correct transaction is noted above. The charge is a deposit on a vehicle, which I attempted to cancel. However, the dealership refused and stated deposit is not refundable. They refuse even when vehicle has not been delivered and an option on the car is incorrect. Also note, the payment amount for financing is not what was agreed to. This was explained to a second rep I spoke to, I had to call back after dealing with first rep who would not cooperate. However, I do not know if dispute was filed or not as I have no email confirmation of anything of that sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly contacted this company via e-mail in order to pay a debt placed by XXXX XXXX XXXX. Once I determined that I owed the debt, since the original bill they sent me was unclear, I contacted them on XXXX/XXXX/2015 requesting that if I pay the debt in full that they remove the account from my credit bureau. When I did n't hear back from them, I contacted them again on XXXX/XXXX/2015 by e-mail. Again, when I did n't hear from them, I contacted them on XXXX/XXXX/2015 with a final request. In this request, I stated if they did not address my request that I would need to turn the problem over to the Consumer Financial Protection Bureau and the XXXX. This should be an easy request to address. Moreover, they should feel fortunate that I am paying this to begin with, because the physician at XXXX XXXX XXXX is overbilling me considering the services he provided. He saw me for about XXXX minutes, did n't run correct tests, and sent me away with medication that did n't even work for my problem. The hospital initially billed by insurance provider almost {$500.00} for his services, and they state I owe about {$250.00} of it despite paying my {$300.00} deductible at the time of service. The total bill was well over $ 3k. And when they billed me, they did n't even bill me correctly. They stated it was for XXXX services rather than physician services, which lead me to believe I had already paid the bill with the deductible. When they finally cleared it up, they placed it with a collection agency before I had the opportunity to pay it and failed to send me notification that stated they were going to place it with an agency. Then, when the collection agency initially billed me, they stated it was for the ER visit rather than disclosing the physician 's visit. Confusing to say the least.

Company response to consumer: Closed
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2022-10-08
Company: Bread Financial Holdings, Inc.
State: NY
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:
Lane Bryant retail account through comenity bank has not updated correct balance in over 5 months. Our balance has been XXXX for several months and but is still being reported a balance of XXXX. 

Requests to have the balance accurately reflected as a XXXX balance have not been responded to. Response is they are in process of changing over their systems - however 5 months of inaccurate reporting of balance is beyond a reasonable expectation. 

When calling customer service, you reach someone out of the country, who says it will be another XXXX billing cycles which would be a total of XXXX inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: IN
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 been a victim of identity theft the following accounts have not been authorized nor have i given written consent. All of the accounts are indeed fraudulent and they are damaging my reputation and is a infringement of my privacy. please see attachment and remove all accounts listed.

Company response to consumer: Closed with explanation