BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received a letter in the mail from BIG PICTURE LOANS XXXX XXXX, XXXX, Mi. XXXX a pre-approval for up to XXXX I filled the information out and received a text message approval for XXXX and to call XXXX to receive money. I was talking to an agent from this company and she stated the interest rate would be 644.57 % I immediately stated absolutely not! I then stated I do not want this loan! Please do not move forward with this loan and I am rejecting this loan. I was informed the process had not been fully completed and would receive information that the loan was not completed, but I have not received any of this documentation. I then decided to do some research and found out about this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went on XXXX to find an apartment to rent. Someone offered an apartment and asked for a {$1300.00} deposit first so they could give me the keys. After a week of no update on the keys, they stopped responding to my messages. I went to my bank to try and fix the issue, but they said that since it was a willing transfer that I couldn't get it back through the bank. However I was lied to and paid money for an apartment without ever receiving entry to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently applied on-line with SpringLeaf Financial for a personal consolidation loan and was approved on-line and was told that I to call to speak with a loan officer to process the loan. I called and provided detailed information to the specialist which included the fact that we had XXXX vehicles which were owned and had a loan out on them as well which we desired to consolidate in this new loan. Whereby, the bank would receive the XXXX titles as collateral. I was then informed I only needed to send in my last XXXX pay stubs to complete processing the loan. With this proof on income the loan should have been seemlessly processed. However, on this morning I was told they would not process the loan since the collateral has money owed to XXXX which they were made well aware of on yesterday before requesting me to send in my last XXXX paystubs. This is Credit Discrimination in and of itself. I had a longstanding small loan with them from last year which has been paid back consistently and never late. I repeatedly received solicitations about renewing or applying for an increase, prior to me applying on line yesterday. The practices of this firm is blatant discrimination towards XXXX minorities specifically. They should be ran out of business and not be allowed to practice anywhere in the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i made a deposit yesterday and my account was in the positive. this morning they charged me {$12.00} for overdraft. i have overdraft protection on the account in the amount of {$70.00} and the amount they said the account went {$4.00} in the negative. i looked at the account this morning and it was never in the red or minus and yet they charged me {$12.00}. last month they charged another overdraft fee of {$12.00} for the {$0.00}, that 's right, XXXX XXXX cents they said they had to cover. again the account on line was never had a negative balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
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: Information belongs to someone else

Complaint:
Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below 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 Placed for collection XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Inquiry date : XX/XX/2020 XXXX XXXX  Inquiry date : XX/XX/2020 Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.

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 2020-04-02
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I requested the money be transferred to my bank account in XXXX and for some reason they have it for pick up. I don't live there! I can't pick it up! Tried to send more money and now they have it on hold with no solution because they dont answer the phone and their " chat '' always has the number of 99 people in line ahead of me. so they have my money on hold and there is no way to refund or talk to any one about that. the web page just has you going in circles. XXXX is MUCH better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NOTE : This mortgage was a refinance within the same mortgage company ( NewRez to NewRez ) with settlement XXXX XXXX, XXXX. Money was escrowed at the settlement table for taxes and insurances. According to the customer service at NewRez, the XX/XX/XXXX tax bill was never transferred within their own company to be paid. Yet they collected all necessary monies at settlement. 
We received a Tax Delinquent notice from our township tax collector stating that our property taxes had not been paid. The money has been collected by our mortgage company in escrow yet, after many attempts to have them correct this issue, they continue not to pay the taxes. We continue to accrue interest charges. 

The taxes were due on XX/XX/XXXX Original tax amount to be paid : {$2200.00} interest accrued : {$28.00} so far amount in escrow being held by the mortgage company {$5300.00}

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 2022-04-14
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity as well as fraud on my checking and credit card accounts. I had reported the fraud and actually contacted the merchant and asked them to please close the account as it is not me that is using the account. All of which I have proof of. I thought it was done and the same business is now trying to get me to pay back the fraud charges that were not mine. I have been contacted by Caine and Weiner debt collector a lady named XXXX who will not respond to me and my requests and t have a supervisor reach out to me, According to the banks as there were 2 involved and the credit card companies the case is closed and I have submitted the proof that it was not me and that I am being harassed and Caine and Weiner will not close the case but has no reason to keep it opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information

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 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. ( 1 ) XXXX XXXX XXXX : Inquiry Date - XXXX / ( 2 ) XXXX XXXX  : Inquiry Date - XXXX / ( 3 ) XXXX XXXX XXXX XXXX : Inquiry Date - XXXX / ( 4 ) XXXX XXXX : Inquiry Date - XXXX / ( 5 ) XXXX XXXXXXXX XXXX : Inquiry Date - XXXX / ( 6 ) XXXX / XXXXXXXX XXXX : Inquiry Date - XXXX / ( 7 ) XXXX XXXX XXXX : Inquiry Date - XXXX. - End

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 2022-04-14
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with a HUD counselor since XX/XX/XXXX to complete a Partial claim modification with my mortgage company, Flagstar Bank. I was approved for the modification in XX/XX/XXXX and sent paperwork. After review by my HUD counselor he determined the structure of the modification was not accurate and I was not given the full partial claim and that my payment was too high and not affordable. We have been trying to resolve this for 5 months now. I have asked Flagstar for a review of the terms and to adjust the terms pursuant to FHA/HUD guidelines of the the Partial Claim Modification guidelines and they have done nothing but ignore my request. These request require that Flagstar Bank acknowledge me within 30 days and not once during this process has anyone from Flagstar communicated with me. I have now been sent a default and intent to accelerate notice. Below is the breakdown of events noted by my HUD counselor : 1 ) XX/XX/XXXX mod offer not accurate 2 ) sent QWR ignored for 2 months, denied assistance told he didnt want help 3 ) notified servicer of error that they did not review clients file, they acknowledged mistake and re-opened file XX/XX/XXXX and it should take a month to make a decision 4 ) calls from homeowner and myself to confirm review was taking place XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we were told on numerous occasions that his situation was escalated and being looked at 5 ), call again yesterday XX/XX/XXXX to check on status of re-review rep told us mod was denied as PI increased, let her know this made no sense as initial complaint was to utilize full amount of Partial Claim 6 ) this is the reason for our contact to you, FHA/HUD to escalate this issue and help mediate the situation as there is still no resolution My HUD counselor has stated he has never worked with a Mortgage company like Flagstar that ignores the laws and guidelines set forth by FHA/HUD to support and assist consumers. Flagstar is negligent and ignoring my rights and is intending to foreclose on me. I am permanently XXXX and my wife and I are on a fixed income. This is why the full Partial claim modification is so important. If Flagstar does the numbers correctly within the guidelines I can afford to stay in my home. 
Please help...

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 2021-08-31
Company: EQUIFAX, INC.
State: NJ
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:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft N/A Account Number : XXXX  This is not mine.

3. Identity Theft N/A Account Number : XXXX  This is not mine.

4. Identity Theft CB/VICSCRT Account Number : XXXX  This is not mine.

5. Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Blakely-Witt and Associates, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Blakely Witt & Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Atlanticus Services Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I cancelled my credit card 5 months ago because they charged me and annual fee. There was a balance of approximately XXXX XXXX when I got my next statement after closing the account not for the interest but each month they have been charging a XXXX maintenance fee! Im about to make my last payment to them they have XXXX  me out of {$60.00} for closing that account all of my crudits cards are paid off and none others have ever charged annual or maintenance fees! The c/c company is Fortiva there phone number is XXXX XXXX XXXX and correspondence address XXXX  XXXX XXXX XXXX GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: 21ST MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm having trouble with 21st mortgage company and was told by them more then once I'm not behind and I'm being threatend by them they are saying if I am 1 day late will sue you by one supervisor the other supervisor I spoke with I asked then to wait on the other XXXX dollars for XX/XX/2021 a and I'm going true vary financial hard ship since my wife passed away in XXXX of this year ever since they been vary demanding and told me will list your home for sale and for close on you i said to them wait till the XXXX the of XXXX after thy told me i was all paid up for this month and i made other arrangements to pay on my car so it wouldn't get repoed then thy said CANT YOU DO THE MATH you sent in 2 pYments and witch i didone on thee firest and another on the XXXX that dont add up after thy told me i was paid in full this month i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Google Compare Credit Cards Inc.
State: NC
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
It has been an ongoing problem with Google, Inc regarding the Google Playstore credit available on my account. I have contacted Consumer Finance Bureau and filed a complaint on XXXX XXXX XXXX with the complaint number Case number : XXXX. 

To give a brief overview of what is going on, I have purchased Google XXXX gift cards worth {$2000.00} from XXXX Store in XXXX XXXX with an intention of buying Google Devises from the XXXX website. I was later confirmed that XXXX credit can not be used to buy devises and I was told by the customer service that they would add the credit to my google account " XXXXXXXXXXXX '' and then they would refund it back. 
After numerous phone calls and over XXXX different emails, I have filed a complaint with the Consumer Finance Bureau. 

I have heard a response back from Google and below is the response : " Google Inc said : Explanation of closure hank you for reaching out to my team about your Google XXXX gift cards. I understand that you meant to use them to purchase Google XXXX hardware, and are disappointed that, as described in our Terms of Service, Google XXXX balance ca n't be used to purchase hardware and ca n't be refunded. 

Due to your particular circumstances, as a one-time-only courtesy, I 'm able to refund the full amount remaining unused This refund payment wo n't cover any fees incurred by accepting it. 

If you are based in the US please complete this form : XXXX If you are outside of the US, please complete this form : https : //support.google.com/googleplay/contact/wire_form Thanks for your patience. 
" Since I have received the reply, I have submitted the requested form as stated and since then Google has been taking me for a ride. 
I was suppose to receive {$2000.00} and they reply back saying they have sent it. I have never received my {$2000.00} in to the given bank account details. 
Every time I contact them over the email, I always get a reply that they are working on the refund and their higher up team is going to respond to me. 
Even after numerous emails, I have never received the funds. All I get is a silly response that they have sent the refund but when I ask for the details, they do n't have XXXX on when they sent the refund or where they sent the refund. 

I am just getting tired of this round abouts and I am not at all getting any kind of response. 

I would really like CFPB to step in and help me know what is happening with my refund. 

Thanks, XXXX

Company response to consumer: Closed with explanation