BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-04
Company: ENCORE CAPITAL GROUP INC.
State: HI
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:
XXXX XXXX 2017 - XXXX XXXX - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door asking for me and if I lived there. Friend told him to leave. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door, striking it forcefully and loudly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my safety ). My friend, who was likewise concerned, asked this person to identify himself.
Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My friend ( a law enforcement officer ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to this company in XXXX, 2019. I usually make my payments by the XXXX. One month when paying my mortgage, I noticed that if payments are not made by the XXXX there is a {$5.00} fee. If paid the XXXX thru the XXXX, the fee is {$10.00}. If paid the XXXX thru the XXXX, it is {$15.00}. I reached out to the company as this was not in my original loan terms. Per the company, this is a late fee. I feel that this a disguised late fee. If it were a processing fee it should be the same amount no matter when it is paid. There is a late fee if paid after the XXXX, which is understandable. I would appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Experian Information Solutions Inc.
State: TX
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:
I have requested that Experian provides me with the method of verification used to investigate my dispute per FCR  A 611 ( a ) ( 6 ) ( B ) ( iii ). They refuse. I have documentation to support this blatant disregard of the FCRA by Experian I dont believe Experian actually investigated my dispute and that 's why they refuse to provide me with the method of verification.
<P/>
This is a repeating problem that I have when disputing with Experian. I had some ID theft on my credit and when I have disputed in the past, they give me the same exact response refusing to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI
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:
XXXX   XXXX ,  2017  -  XXXX   XXXX  - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt.  <P/>  XXXX   XXXX ,    2017  -  XXXX   XXXX  - Person came to door asking for me and if I lived there. Friend told him to leave.  <P/>  XXXX   XXXX ,  2017  -  XXXX   XXXX  - Person came to door, striking it forcefully and loud ly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my saf ety ). My friend, who was likewise concerned, asked this person to identify himself.   Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My  friend (   XXXX   XXXX   XXXX   XXXX   ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him  " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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:
GOOD AFTERNOON, BOTH  XXXX  AND EXPERIAN CONTINUE TO REPORT A LATE PAYMENT ON MY CREDIT RPORT, WHICH IS INCORRECT. I HAVE MADE NUMEROUS ATTEMPTS TO PROVE THIS IS NOT ACCURATE AND THAT THEY SHOULD UPDATE MY INFIRMATION AND NOT VILATE THE FAIR CREDIT REPORTING ACT BY REPORTING INCORRECT INFORMATION. I HAVE MADE MANY ATTEMPTS AND FEEL THIS IS MY LAST RESORT, BEFORE FILING THIS COMPLAINT AND SEEKING DAMAGES IN SMALLS CLAIMS COURT.

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 2021-11-15
Company: Self Financial Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There were multiple charges on my card which I disputed with the company and as of today the charges are still being presented. And i was told it can take up to 5 days at first but now I'm told something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.ACCOUNTS	XXXX  XXXX  XXXX****XXXXinaccurate		XXXX XXXX	****XXXXinaccurate	XXXX  XXXX	****XXXXinaccurate	XXXX****XXXXinaccurate	XXXX-XXXX  	****XXXXinaccurate	XXXX	****XXXXinaccurateXXXX  XXXX 	****XXXX   	inaccurate

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected 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 non-monetary relief
Consumer complaint received 2017-06-05
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have calle d Sallie Mae  over 7 times in order to get the second disbursement of my loan funds for my bar exam study loan. The company told me that it would take three business days for the request to disburse the funds to go through - and that they would then send out the check. This was on   XXXX   XXXX  . I called back three business days later, and they first said they had no record of this request, but then said that the request had gone through -- - but there was no indication in their system about when or if it would disburse. I again told them that I wanted the funds disbursed to me  [  you get to choose your disbursement date ] and they said it would take another business day. I have repeatedly kept calling, asking where the funds are and what is going on, and they have  XXXX  information. They said there was a delay because of  XXXX   XXXX  ... even though I initiated this on   XXXX   XXXX  , well before that holiday, and it is now   XXXX   XXXX   The company still has the funds, they will not give me any information about my loan or when the money is coming through, and have repeatedly stated that there 's nothing else they can do for me. Except to tell me to wait three business days and call them back. I have tried to add my husband to my account, to allow him to call them as well, and have done this THREE times. Each time they take down all of his personal information, and he is never added to the account. Further, they state that there was no notes about adding him to the account and they have no record of this ever taking place. Which is concerning, because he has given out his personal information to three differen t Sallie Mae reps.  We are now concerned these individuals are stealing his personal information, which includes social security number. This company is horrific to deal with - they do not give accurate information, they do not allow you to speak to managers or anyone higher on the staffing list, they do not actually send documents or information when they state that they 're going to do so, and they currently have {$5000.00} of my funds that they refuse to disburse to me even though I am paying interest on this loan. I have never had student loans before and never dealt with a private loan company, and this is truly disgusting. They should n't even be allowed to exist or work with consumers, as they are nothing but a scam and have totally inept crooks working for them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
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: Account information incorrect

Complaint:
XXXX  XXXX  has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved

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 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: AMERICAN EXPRESS COMPANY
State: NY
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 am writing to make a formal complaint and request that American Express honors the advertised sign-up bonus for XXXX XXXX credit card that includes one free weekend night andXXXX XXXX  XXXX XXXX points, which were not credited to my account.The details of the advertised sign on bonus are available in the screenshots of attached document.

I submitted a new application for XXXX XXXX credit card at American express website www.americanexpress.com in the beginning on XX/XX/2018 and met the spending requirements within a month. I contacted customer service via chat and phone multiple times and they told me that I was not eligible for any of the advertised bonuses because my application was processed as a product change/upgrade and not as a new application and on their end. I spent about a month talking to customer service representatives and supervisors via chat and phone with no progress and no resolution date. Every time I contact American express I deal with a new representative and have to start from scratch. I mailed a formal complaint ( attached ) to American Express corporate offices, but received no answer. Please assist. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I placed a call to  XXXX  and experia n In rega rds to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to  XXXX  and experian they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX   2017  ).

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 2019-12-10
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Currently have a loan with US BANK Mortgage. Reached out to them to take advantage of the low interest rates ( Refinance ). I connected with XXXX XXXX NMLS # XXXX His number XXXX at first he was very responsive. Once he ran my credit and got the process started he disappeared. Literally, I have emailed him, called, left messages, no response. Now, XXXX XXXX the loan processor is telling me that my Debt to income ratio isn't sufficient. That makes no sense to me since my income has tripled. I am not sure if I am being profiled here or just fell through the cracks. I can not get any answers from anyone and I am left high, and dry. I spent MONTHS submitting documents blindly. No closure, no one to follow up with, nothing. XXXX XXXX simply referred me to XXXX but he is MIA. I don't even know if he works there anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS

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 2017-06-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servicing LLC After falling behind on my mortgage payments, I requested a modification of my loan. After  2 attempts, I was approved for a modification. The company asked for three months of trial payments before approving the modification. I requested 3 times to see the terms, in writing, of this proposed modification but was told that this information is not available. My lastest conversation was with a " relationship manager ''  today  XXXX   XXXX ,  2017 . I was told that I could not speak to anyone in Underwriting, could not receive the terms of my proposed modification and that the relationship managers did not have access to any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made Equifax aware of the fraudulent activity on my report in writing and verbally. I have also provided all required supporting documents for proof of Identity Theft. I have requested that ( XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX ) be removed from my report but NOTHING. This is not fair at all. I am doing everything requested of me to rectify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I initially contacted Equifax on XX/XX/XXXX by mail, disputing inaccurate information on my credit report. I waited the duration of 30 days still didn't hear anything. I sent another letter on XX/XX/XXXX following up with the initial claims still no answers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: Rauch-Milliken International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  XXXX  account was with XXXX XXXX XXXX, XXXX XXXX XXXX sold XXXX XXXX to XXXX, XXXX XXXX, IL XXXX. By switching the company I had a option to cancel the account and change the company. I was given assurance from my Sales agent " XXXX ( XXXX ) XXXX, XXXX agreed to keep the same condition and the same benefits that was given to XXXX XXXX XXXX by XXXX XXXX XXXX and if XXXX XXXX XXXX don't like the service they can cancel the account. 
XXXX was doing the business totally different than XXXX  XXXX XXXX. They don't have sales agent assigns for business, XXXX  doing business through out sourcing employee base in XXXX. Most phone calls goes to voice mail and answer by different sales people. We finally tired did not satisfy with their service and XX/XX/2019 paid our account in full and request not to renew our account. 
XX/XX/2019 we call for total balance, call answer by Mr. XXXX call center in XXXX. Amount was XXXX. Check of XXXX was sent and it was cleared XX/XX/2019 verified by XXXX, from call center in XXXX. They keep sending us invoice and finally they gave our account to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. We gave them all the proof and record and our correspondence went almost XX/XX/2019. XX/XX/2019 I received 1st letter from different collection agency for demanding payment, Rauch-Milliken International,  Inc XXXX XXXX  XXXX, XXXX, LA XXXX We response there letter and request to verify all the previous documents from XXXX, with out delay they sent us another threatening letter to take us to court and after judgement seizing our account and property. All the documents are attached.

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