BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-08
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying DESPERATELY to obtain a mortgage modificationfrom BSI / XXXX XXXX XXXX, I have been LIED to misled, treated rudely, and continueously misinformed about the process needed to save myhome. I have hired a consultant to help me thru this process and theyhave received the same treatment, I was made to use my 2 two weekextensions to try to make it thru this process but this company hasfought me every step of the way, I am asking you PLEASE for someassistance in this matter My family and I are at our wits end, if you re-view this matter I am confident that you will see that this process hasbeen TOTALLY Flawed, My home is due to go to sheriff sale XX/XX/2015 and we ask that this receive your immediate Attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX, I had sent money through by Bank of America XXXX using their quick pay option XXXX XXXX XXXX. The money as supposed to be sent to what I thought was my sister in law, but the phone number that was off and was sent to another person with an entirely different name. In 2 transactions totaling {$3000.00}, when we realized that it was sent to the wrong person, we tried to contact that person through the phone number, but they did not pick up the phone or return or text or returned the money. 

We disputed with Bank of America as soon as we found out the issue, and they started their investigation. Today, we called them back and they said our case was closed because the other party had already spent all the money and no money can be sent back to us. 

We trusted that our Bank which offers XXXX as a safe and quick way to send money would not back up this service with any kind of protection for their banking customers, and when issues like this arises there is nothing else they can do to help. The bank says that they only host XXXX for their customers, but hold no liability, and XXXX says that if you use this through your bank, XXXX does not hold any liability. So now, the consumer is neither protected by any of these entities. 

XXXX, which only goes off the person 's phone number or email and has no name verification or secondary verification can cost us {$3000.00} during this time where money is very tight.

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 2021-12-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to detail account XXXX collection agency and original bank I have no affiliation with. Wasn't no opened in my name or with my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Purchased a car XX/XX/XXXX and paid XXXX down today XX/XX/XXXX XXXX weeks from the date I ca n't drive the car and they told me to make a payment with out recourse and I am supposed to have a warranty on the vehicle. I have a recorded conversation with the salesman.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-09
Company: BQ & Associates, P.C., L.L.O.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XXXX at XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for XXXX XXXX credit card? I currently have XXXX credit cards from XXXX XXXX with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement in XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for XXXX XXXX and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if XXXX XXXX had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of XXXX XXXX kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the XXXX of the month and have bills to pay and now no money to pay them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
LOOK, I JUST GOT ANOTHER XXXX DEBT COLLECTION NOTICE FROM ANOTHER XXXX COMPANY REGARDING XXXX!!!!!!! I AM SICK AND TIRED OF STILL GETTING XXXX DEBTS REGARDING THIS XXXX ACCOUNT!!!!!!! I HAVE EVERY XXXX RIGHT TO BE FRUSTRATED!!!!!! AND I AM NOT GOING TO THE XXXX POLICE AGAIN WITH THIS STUFF EITHER!!!!!!!! I AM HIGHLY XXXX!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of identity fraud, theft, and copyright infringement

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 2021-12-10
Company: EQUIFAX, INC.
State: FL
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:
on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: ERC
State: FL
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 received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: National Management Recovery Corp. (NMRC)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collection ageny continues to call my phone to reach my husband, XXXX XXXX. 
I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. 
I explained to them that my husband is in the hospital due to a XXXX XXXX and is unable to communicate at this time. 
They told me that the debt is owed to XXXX XXXX and in the amount of {$3000.00}. 
I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). 
After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. 
I received 2 more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. 
I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. 
I let them know that I could pay {$85.00} per month on the balance until paid in full.. 
The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. 
I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hyundai motor credit & Gap insurance were notified XX/XX/2019 the car was totaled. The Insurance company paid out the loan. 

On XX/XX/2019 Hyundai claims they sent Gap insurance the paper work to pay off the remaining balance. 
Gap insuranse claims they never recieved it to satisfy the loan. 
Hyundai stated to gap ( verified address ) they will agin send the paper work XX/XX/XXXX XX/XX/2019, I recieved a letter from Hyundai dated XX/XX/XXXX, that the debt has not been satisfied. My credit report now has XXXX non payments listed from them. 

What can I do. The Gap insurance is still waiting to recieved the paper work from hyundai to resolve the balance, meanwhile I will get another non payment in 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 explanation
Consumer complaint received 2016-06-03
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Unfortunately, I was in a position that I needed to take out a pay day loan. Much to my dismay I took a loan out from a very unethical organization. This company is XXXX XXXX XXXX, It goes and has gone under multiple names, XXXX, and has now changed its name to Big Picture Loans. I took out a {$1400.00} loan with an 647.6971 % APR of and later discovered the " Truth and Lending '' disclosure after the fact. They are under the assumption that they are immune to the guidelines and laws of the Federal Government as they have tribal affiliation. This is simply not true. I literally thought I misread the agreement when they explained after I received the loan of {$1400.00} but the document reads that I received {$1500.00} and if I paid the XXXX payments the total cost would be {$14000.00}. It is unbelievable that a company can get away with literally robbing the consumer. It sheds a bad light on organizations that make themselves available to loan money when you really need it. However when you need money you have to ask yourself ... at what price ... {$1400.00} for {$14000.00}. XXXX. This is a crime and should not be allowed. The hard financial situation is bad enough but that coupled with taking a loan from an organization that is taking more than full advantage of the customer is outrageous and needs to be remedied. In addition they are not licensed in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Delmarva Collections, 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 information incorrect

Complaint:
Delmarva Collections : XXXX XXXX XXXX This is account is past the statute of limitations in MD and has expired. It is still being reported on my credit report. I am well aware of my right under the FDCPA & my state laws governing the amount of time that collections are allowed to report on my credit file. This time has past and this needs to be removed. I was also unaware of this debt period as I have never received any correspondence or notifications from this company stating that I owed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.

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 2016-11-25
Company: National Credit Systems,Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
US Magistrate XXXX has closed this Case. 

Yet, the Proprietor/Defendent is insistent upon A Contiuning Gross Charging in a Cases of Gross Fraud, Theft and Scamming.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC took over my mortgage with the first payment being due on XXXX XXXX 2020. I made a XXXX payment on XXXX XXXX 2020 and a XXXX payment on XX/XX/2020 which is more than my payment. They applied both those payments to principal only and not to the XX/XX/XXXX payment. I have called 6 times and spoke to 6 different people who have sworn up and down that they have escalated the complaint and it would be fixed in 48-72 hours. I have been calling since XXXX XXXX 2020 and it still has not been taken care of. As of Monday XXXX XXXX 2020 it is going to indicate that my XXXX payment is late and they will charge late fees. Then XXXX XXXX 2020 they will report my mortgage as 30 days late which it is not. I paid in advance and I can not get them to correct this problem.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2021-12-10
Company: Lending Club Corp
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In addition to my last complaint, LendClub Corp is now reporting me 90-days late & 120 days late for the same month ( XX/XX/2020 ). Please see the attachment for more details. This caused my credit score to drop even more while I am trying to resolve matters with them. LendingClub is making things worse instead of rectifying their mistake. Please escalate this and delete or fix this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
AMEX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, AMEX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About a year ago I refinanced my single family home and the mortgage ended up with New Rez/Shellpoint -- XXXXmy house appraised at $ XXXX and my current loan balance is {$200000.00} which puts it at a 79.99 % LTV -- -Per XXXX XXXX  guidelines I initiated a PMI removal request. I received a denial letter that stated -- '' Although its been 2 years since your mortgage loan closed '' they can not remove my PMI. " Because your property 's value has not increased, your property 's LTV ( Loan to Value ) ratio has not decreased to 70 % or less-which is what's required to cancel PMI on a XXXX backed loan as a result of home improvements or property-value increases ''. This is just false information they are submitting to their clients. I have supporting documents

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