BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
New Mortgage Servicer - not the bank that loaned the money for the house, but anyway, calls on the XX/XX/XXXX if the payment is due on the first two months in a row and it is done at XXXX XXXX  which is illegal they can not call before XXXX XXXX and I work nights  and this is the second month in a row they have called. I notified them twice and that is why I am filling this report they are not following the terms of the agreement and I am sick of being harassed I believe that they need to be investigated for their collection process. I have two months free of charges during their transfer period. Where is the protection for the customer when these " companies '' handle your mortgage just looks like more fraud to me and if they play with my mortgage one more time I am walking and you can all go XXXX yourselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I opened an American Express Bluebird account for my kids and grandkids. With this account you have a choice of adding funds at a XXXX or online. I tried to add fund online and I received a security notice. I called the security number and I was told I need to email them my driver license or stay on the line while they call my bank while I verify my information. I told them no I will not email my driver license to them in XXXX XXXX they said then I ca n't use my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor is attempting to collect a debt that has already been paid. My account with XXXX in question was cancelled by me and all outstanding balances paid. Debt agency is still trying to contact me after debt has been paid. 
I do not understand why there was a debt to begin with as balance due was paid in full before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Seattle Service Bureau, Inc
State: OR
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:
national service bureau claims we owe for damage to a vehicle during the process of towing. We did not tow the vehicle, have no record of ever towing that vehicle, working with or speaking to the owner of that vehicle, nor did we receive any damage claim at the time the tow was claimed to have been provided. Per NSB, XXXX paid the claim and found us at fault. Nothing was ever submitted to our insurance, and our agent has been harrassed and called names by NSB representatives. NSB has been informed that this not is our debt, and was requested to provide proof that we provided a tow of the vehicle in question, they have failed / refused to do so. 

Collection attempts have continued, and are becoming aggressive.

Company response to consumer: Closed
Consumer complaint received 2017-01-21
Company: SYNCHRONY FINANCIAL
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX I spoke to XXXX in the universal fraud department at Synchrony Bank about a fraudulent XXXX Rewards application that was submitted under my name. She stated that she would have it closed down, a fraud file created in their system, and a deletion request sent to the credit bureaus. She questioned me about my legitimate Gap, Banana Republic, JCPenneys, and Sam 's Club accounts. I informed her that those were mine and not fraudulent. 

I received a letter from Synchrony bank on XX/XX/XXXX that these XXXX legitimate accounts were closed down. I then spoke to a XXXX in the universal fraud department who confirmed that the accounts were closed down on XX/XX/XXXX and that it would take 7-10 business days for the issue to be cleared up before new cards could be reissued. 

On XX/XX/XXXX I spoke to XXXX who claimed to be a manager in the universal fraud department. She stated that they would be sending a notification to the credit bureaus informing them that the accounts were closed due to an error on their part. She also mentioned that this should not only have them reopen the accounts, but retract any derogatory information that would have been/has been reported due to this. 

Around XX/XX/XXXX I received a letter from Synchrony notating that they took me off of my husband 's BP account ( I was an authorized user ). I contacted them and they stated they would correct it. 

I received another letter from them dated XX/XX/XXXX notating that a fraud investigation was being done my Gap account. Around XX/XX/XXXX spoke to XXXX in the customer service department in the XXXX office who stated that there were 4 letters mailed out to me ( one for each legitimate account of mine that was shut down ) that listed recent charges. I was to mark which charges are legitimate and mail it back to them so that they can be reopened. I found it strange that I was being told this now, despite me speaking to MULTIPLE representatives and a supervisor who told me that there was nothing to be done on my part. 

On XX/XX/XXXX I spoke to XXXX in the universal fraud department who transferred me to XXXX, and account manager, in the XXXX. XXXX mentioned that she sees that these accounts were previously, accidentally claimed as fraud and that I would need to speak to the fraud department. I spoke to an account manager in the investigations department named XXXX. She stated that I did not have any work to do on my end and that I would be receiving a letter notating that the accounts were legitimate in 5-7 business days. Here we are exactly 2 weeks later. I have not received the letter XXXX promised me. My legitimate accounts are still closed. I would like this mistake corrected. It 's been almost 2 months now and nothing has been done.

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 2021-08-26
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I want to refinance, to reduce interest paid and not increase ( much ) the time left on our current mortgage. My wife is abroad, will remain abroad for another few weeks. She appointed me as a Power of Attorney and an attorney drew up the document which she properly signed and which was notarized a couple years ago. We own our home jointly. 

The refi company, loandepot, asked for a copy of the POA. I work at home, have neither a scanner nor a FAX. I took a photo of each page of the POA with my XXXX, imported the photos into XXXX, and saved it as a pdf. In an email dated XXXX XXXX  Tuesday, XX/XX/XXXX, the direct loan processor at loandepot working with me, XXXX XXXX, wrote me in an email, " Power of attorney was approved yesterday evening '' and loandepot scheduled closing on XX/XX/XXXX. Closing seemed to proceed more or less OK, although I found various detects in loandepot 's documents ( they got my birthday wrong by one day, although the closer had copies of my photoIDs ( passport and drivers license ) for over a week ) ). I offered twice to show the closer the original POA but he declined, stating it was not necessary and that it had already been approved. 

Now loandepot wants me to scan or FAX the POA to them immediately. The demand comes in phone calls from individuals claiming to be loandepot ( how to know an unexpected caller is legit? ) and was not made in writing until I complained to them today. I own neither a scanner nor a FAX. It is not clear they will fund the mortgage. We will suffer some financial consequences if they do not fund and we eventually have to accept a higher interest rate from someone else. On Monday evening XX/XX/XXXX, I got fever and other symptoms and on Tuesday got a XXXX test. If I were not required to quarantine, I would happily go to XXXX and scan the POA but I am in XXXX. loandepot 's written statement that the POA is approved does not bind them, apparently, and they seem to push me to violate law to satisfy their arbitrary change of mind. Violating quarantine is not something I will do. 

A POA is a powerful document, our attorney advised us. He also advised us not to make copies available too easily, lest someone gain a copy and seek to use it fraudulently. So I prefer not to upload my wife 's POA onto your website. I am available it you want to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Other

Complaint:
I have been doing business with Barclay Bank for approximately 7 years. This past XX/XX/XXXX I called to attempt to use some of my points for a XXXX vacation. ( One of the reasons I like the card and pay an extremely high fee is because of the rewards program. ) After four of five calls, receiving numerous different reasons of why they could n't access it ... ca n't find the account, computers are down. Then I received a letter stating they were raising my credit limit. Approximately 5 days later, I received another letter saying they were canceling my card due to credit issues. I am in the process of a mortgage modification, however I have never been late with Barclay Bank, in fact, I have a {$5000.00} limit with them and the week or two prior I paid them {$3000.00}. When I called Barclay 's they told me due to my account being canceled, I could not use my rewards points that I earned. I then asked them about my $ XXXX yearly fee and the man told me " well you got to use it part of the year did n't ya. '' This unethical misleading, frankly despicable behavior is what gives banks a bad name. Because of this, we had to book our yearly vacation last minute costing me thousands of dollars extra. I am desperately trying to stay out of bankruptcy and this banks horrible inexcusable behavior is the final nail in my coffin. Please prevent this from happening to any other honest people.

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 2021-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Well everytime I try to apply for a loan or credit card with Wells Fargo I've been a customer for a very long time they always say that I'm delinquent have too many accounts and it is true in the past before filing bankruptcy I did have that on my credit history but since then all that information has been paid off and there is no delinquent account or anything on the account for about three or four years maybe three years rather but they're still advertising that information as to why they can not approve me and I just want accurate information if it's the bankruptcy just say the bankruptcy but to say that I have several delinquent accounts and that's not correct

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DELETE THE FOLLOWING INQUIRIES 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 2016-09-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a report with HSBC in reference to a few fraudulent charges on my checking account on XXXX XXXX 2016. When I spoke to a representative from the fraud investigation department they had stated that I would be receiving a provisional credit while the investigation is going on. I waited after 10 business days and still did not recieve a provisional credit. I contacted the representative that was handling my case and she stated that the provisional credit was denied. I inquired why and she did not provide me with a valid reason and continued stating that I need to take liability for the loss of money in my bank account. I told her that I need the provisional credit to provide me some relief since a large sum of money has been taken out of my account without my permission. She was unsympathetic and continued with her statements that I will have to wait until the whole investigation is over. I stated to her that I am at a loss and I have financial obligations. She stated that she could not issue a provisional credit and I could talk to the supervisor. I spoke to the supervisor and he continued to speak to me in a derogatory manner. I stated that I wanted more information on why my provisional credit was declined. He stated that I needed to be more careful with my debit card and basically put all the blame on me instead of offering me support. I stated if he could authorize a provisional credit since I had pending financial obligations. He continued to state that it was my fault for the fraudulent charges and due to that I need to wait until the whole investigation is completed. I stated that I have followed through with all requirements including filing a police report and mailing the fraud claim form. He stated to me that I will have to file a police report in every state where the fraudulent transactions took place. I stated that I was not informed by the woman who is handling my case that I need to do that. I stated that I want in writing in regards to the policy that HSBC utilizes when handling fraudulent transactions. He did not comply. I told the supervisor that I am deeply unsatisfied with HSBC and would appreciate if I could get provisional credit. He declined my request and continued blaming me that I caused the situation that I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XXXX XXXX I heard about the Equifax Hack. I had purchased a home last year and this company was on the report from my bank. I then by day 's end had gotten on to the Equifax website and went through the steps to determine if I was effected. I found under that I was. I then signed up for the free 1 year term of trustedid.com. 8 days later I was alerted about an inquiry on my credit. I tried contacting Equifax and spent XXXX hours on hold with their consumer affairs department. 3 days later a personal line of credit was taken out in my name in the sum of {$3000.00}. Again I immediately tried contacting Equifax and had spent a total of XXXX hours on the phone with many departments to never actually get to talk to anyone that could help me. I then put a freez on my credit with XXXX and XXXX. Spoke to XXXX they actually told the proper steps to make sure my credit was frozen on their website as well. Equifax and their employees should be erased from the credit world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX nexus said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: The CBE Group, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I just received a certified letter from the XXXX XXXX Sherriff office that CBE Group in XXXX , IA is garnishing my wages. I do not even know what this is for or about. I did have a bill with them for {$17.00} which I have paid XXXX times. Yes, XXXX times with them. I have not gone to court with them recently to even have a verdict to garnish. The attorney is XXXX XXXX out of XXXX, IA for the CBE Group. I tried to call the CBE Group to see what this is about, but at XXXX CST their phone lines said that they were closed. Their phone line also stated that they close at XXXX CST. I also just pulled my credit report and no where on any of them is CBE Group on there. I have n't even received a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX would not send me a new card to my new address because I did not have the security code on back of card!!! I decided to pay off card in full after many telephone transfers even to non English speaking county, who did not understand me. I then received a bill for interest incurred ... I paid that fee. After about 6 hours of phone calls my card was never closed. They kept charging me fees which have no explanation attached to the bill. They also refused to allow me to use my {$140.00} in cash rewards. My last attempt to solve the mystery of a XXXX fee and how to use my rewards after being transferred around for the 10th time, I was hung up on ... with no resolve. They continue to bill me for an unexplained fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a written notice to XXXX XXXX who acts as the ceo for legal fiction CAPITAL ONE that I the consumer XXXX XXXX XXXX XXXX who acts as agent for XXXX XXXX am invoking my right of rescission pursuant 15 usc 1635. I was not disclosed certain information about the finance charge 15 usc 1605. I expect the the obligations, security interest on the contract be canceled, and all money returned to me pursuant 15 usc 1635 in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: GA
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 never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.

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 2017-10-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Just got a notification on my credit report that this was added yesterday. I have no outstanding balances and dont even own a credit card. My information was stolen in the XXXX data breach.

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 2017-03-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Disputing American Express issuing credit card ( allowing for credit increases ) to XXXX. 

History shows long-term history ( 30+ years ) for none and late payments on credit cards, mortgages, utilities, taxes, etc. with low FICO scores ( approx. XXXX-XXXX range ), unemployment ... and income under XXXX,, ( SS and Pension ). Background check would have also shown XXXX active credit cards. 

Also, harassing/intimidating phone calls requesting immediate " pay-by-phone '' checking withdrawals should be illegal. Approval given under the influence of XXXX ... resulting in " insufficient funds '' /fees for bounced checks. 

Feel it is banks negligence that caused him to fall into a black hole of debt IMPOSSIBLE to climb out of. Rather than additional credit, there should have been a limit with cancellation imposed ... NOT increase or allow additional credit.

Company response to consumer: Closed with explanation