BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Amsher Collection Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I activated service for a new phone, watch and modem. The promotional rate I signed for was not honored and change without my consent. I refused the imposed terms and tried to return the items but was not allowed to. The cite that returns are allowed during the first 2 weeks only. During my time with XXXX, the terms I agreed to were never implemented. I called numerous times asking when will my rate take effect and was told it takes up to 3 months. After 3 months, I was still being charged the wrong amount. I called and XXXX apologized and told me they had made a mistake. The promotion they offered ended the previous day and therefore invalid. They offered a new plan which cost more, and I refused and offered to return all devices. XXXX refused XXXX accept the devices citing the 2 weeks return period and forced a rate I never agreed to. After trying to settle with XXXX unsuccessfully, I involved XXXX XXXX  mediated but XXXX did not change their position or offered any explanation. The account was sold to a collection agency Amsher. I explained Amsher the situation, but they insist on full payment. Furthermore, XXXX has blocked my online profile where all original documents are saved, and I can't retrieve them to use as proof of the unauthorized changes. Simply put, XXXX offered me a great rate which they changed unlawfully and without my consent after the 2 weeks return period. They then forced a much higher rate and gave me no recourse. I am also a XXXX veteran with severe health issues and this situation is imposing a great hardship on 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 2017-01-19
Company: STONEGATE MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Stonegate Mortgage Loan XXXX. Owners XXXX filed BK. Bk discharged. Applied for mortgage modification with Stonegate Morttgage and was denied effective XXXX XXXX. Letter sent to homeowner that there were alternatives to foreclosure, but no short sale package was sent. Homewowner requested shortsale package XXXX. Shortsale package requested a second time approx XXXX XXXX, 2017. Short sale package sent out XXXX XXXX per may phone call today with Stonegate. In the mean time while homeowner is pursuing alternative to foreclosure, Stonegate is stalling and Dual Tracking by initiating foreclosure at the same time. In addition they say they have to have complete package and sales contract 37 days before foreclosure date. In Missouri that is impossible since it is 21 days to foreclose in a non-judicial state. Not to mention you can not list property for sale while pursuing a Mortgage Modification. CFPB needs to order Stonegate to cease dual tracking.

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 2022-11-23
Company: Gatestone & Co. International Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX GATESTONE & CO had 30 days to validate a debt ACCORDINGLY under 15 USC 1692g and my letter sent and have failed to validate the debt. GATESTONE & CO has instead responded with BANK STATEMENTS which is not sufficient evidence of a debt according to 15 USC 1691g and FEDERAL CASE - XXXX XXXX  FCU vs XXXX XXXX XXXX  has attempted to collect an alleged debt through obscene matters and is now in violation under 18 USC 892 for attempting to create extortionate extension of credit because a consumer credit transaction was created which comes from a FINANCE CHARGE under 15 USC 1605 where in fact is a SUM OF ALL CHARGES so any alleged debt coming from a FINANCE CHARGE is already paid for and any secondary collection on any extension of credit is fraud, obscene and in violation of 18 USC 1962 under RACKETEERING. GATESTONE & CO has failed to validate the alleged debt accordingly and IS STILL LIABLE for remedy under 15 USC 1692k and 15 USC 1644. I am willing to settle the matter one last time before matters escalate to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: LENDER LIVE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage loan was bought out by Lenderlive as of XX/XX/XXXX Since then we have had nothing but problems. We have been dealing with 2 different issues over the past 4 months with no resolution. 
First issue : Our property taxes, due by XX/XX/XXXX STILL have not been paid, and it is XX/XX/XXXX. We have emailed the delinquency letter weeks ago to the escrow department, however our escrow balance has dramatically decreased and nothing has ever been received by our property tax office. 
Second issue : We had an open insurance claim when our loan was bought by Lenderlive in XX/XX/XXXX. We provided all insurance reimbursement documentation to which Lenderlive acknowledged they would provide the remaining balance to us.We STILL have not received the last payment of our insurance funds. After XXXX checks returned for insufficient funds from Lenderlive we are still in dissolution and having to email the NSF checks to the company for " further resolution ''. We are extremely dissatisfied with the slow progression of our XXXX different issues. We have gone in circles with a representative on the phone about XXXX a week for the past 4 months. Lenderlive has reassured us multiple times that someone in " management '' would contact us to which NEVER has happened.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
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 started disputing inaccuracies on my credit report back in XXXX and informed the credit bureaus that my identity had been stolen. I was told to submit a identity theft report and I did so along with a letter with a list of account that I had no knowledge of and that were unauthorized accounts on my credit report. I noticed that they had several different forms of my across the different bureaus and informed the credit bureaus of my one and only correct name. I notice several location that I have never lived at on my report and I also informed the credit bureaus of the accurate addresses. I have provided proof of identity and informed the bureaus that there are accounts on my credit report that do not belong to me. I was told that some of the account were validated. I sent a request for validation of debt with a request for specific items and all bureaus fail to provide proof that any of the alleged debts belong to me, which they don't. I noticed bankruptcy on my credit report and informed the bureaus that I have never filed bankruptcy and requested that they remove from report. From my understanding the bureaus are violating 15 usc 1681 ( a ) ( 2 ) that states I have to give then written permission to furnish anything on my credit report. 15 usc 1681 ( b ) ( a ) ( 2 ) permissible purpose. My credit report are all over the places. Nothing matches. Account number are not the same, date accounts were opened are not the same. I don't know who did this but it needs to be fixed. According to consumer law the credit reports should have the same accurate 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 explanation
Consumer complaint received 2016-02-29
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mom passed away in XXXX XXXX. Her mortgage company, M & T bank, refuses to give me any information even though I am on the original mortgage and the title to the house. The house has been sold in XXXX and the mortgage paid in full. I am asking for the XXXX, and a refund of the escrow account. They refuse to do anything. They have NOT sent these documents out at all as we had the same address before she passed. Even if they sent this to her home address, it would have been forwarded to me. I believe the law is 30 days from payoff for the escrows, and XXXX/XXXX/XXXX for the XXXX. We have received nothing. Please assist. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed a dispute for fraud on my account and then Citibank turned me the account holder into the fraudster. 

Citi bank locked me ourlt of my accounts after filing a dispute stating I couldnt provide the correct answer for a security word. 
I have never set up a security word or question and have never been asked for one until this time understandable due to a report of fraud. I immediately went to a branch to confirm my identity and verify account information on XX/XX/XXXX. I received my new bank card XX/XX/XXXX activated it and again went to the branch after attempting to access online banking which I was not able to do. Left the bank with access to online banking and later attempted to make a purchase which was unsuccessful. I called customer service whom laughed in my face, made sarcastic statements, and hung up in my face after waiting over 2hours for help. During this entire time i had access to view my account after they hung up in my face i no longer was able to see my balance or use online banking. The representatives were attempting to verify my accounts with a phone number that I numerously stated to them was no longer in service. I had updated my current phone number when I visited the bank that day on XX/XX/XXXX. The rep named XXXX  stated to me to update my phone number with public records which I have never heard and actually is really absurd because how. Stating the service they use can not verify my phone number and to call back to speak with someone else. I requested a supervisor who, when answered, went by the name mark and hung up on me after the call ino longer had access to my account online but the representatives only attempted to verify my accounts information via telephone number and a security question/word which i never set up. When I gave them my mothers maiden name, they told me that answer was wrong on their XXXX There were several other ways such as ssn, email, recent transactions etc. if someone calls in with my phone number that is no longer mine they can access my money and account information. On their webpage it states that I can contact them if the anser to the question has been forgotten although i never set this up and I did not get that help. They passed me around and blocked my access.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is my loan servicer. I'm in the middle of a PSLF application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because XXXX mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: SC
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 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 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 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 explanation
Consumer complaint received 2015-05-08
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I visited the drive through at First Merit bank in. XXXX. Michigan. XXXX XXXX XXXX XXXX , Michigan XXXX. I deposited XXXX checks totaling {$3500.00}. I asked for {$200.00} cash back. Please see attachment of deposit slip. I put that the {$3500.00} with the {$200.00} cash kept that I was making a total deposit of {$3200.00}. The math is obviously wrong. The deposit was to be {$3300.00}. There is a {$100.00} discrepancy. The math error was my fault. The teller gave me {$200.00} in cash and I was given a total deposit of {$3200.00}. Nothing was said and nothing was corrected on my deposit slip. I counted the {$200.00} given in XXXX twenty dollar bills and drove away. I later examined my deposit slip online and noticed the error. I brought it to XXXX 's attention at First Merit bank. She told me that I was given {$300.00} in cash that day to correct the error. I was not. I was given {$200.00} in cash. I asked her for the bank video and she said that there would be none. She refused to give me my money back. The deposit slip says it all. The math is wrong and there are no corrections on it. I was only given {$200.00}. I certainly would notice if I was given an extra {$100.00}. I know {$100.00} is not a large sum of money and maybe not worth this hassle but I feel cheated to and lied to. This is not fair. Please examine the handwritten deposit slip. I have front and back from my transaction. It is not corrected but it cleared the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently obtained a copy of my credit report from Experian, and discovered that XXXX XXXX claims to have charged off an installment loan of mine. The date on the report that the account was opened ins XXXX/XXXX/2006. The account number on the report is : XXXX. 
The report indicates that it was a 60 month loan but there is no amount listed for the loan. 
I have never signed any documents with XXXX XXXX, and have not failed to pay any installment loan on time for any creditor. I want this error removed from 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 explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NM
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 my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 XXXX XXXX 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 2022-11-23
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Barclays Bank Delaware is incorrectly reporting information on my credit reports. I have attempted multiple times over the past four years to correct this information with no luck. I will list below the negative information that is being reported on my credit reports with images from the credit bureaus to show what I am describing. 
Barclays is reporting an available credit limit on a closed account which hurts my credit score. They are also reporting new negative monthly payment information on an account that has been closed for four years. 
On the XXXX report, Barclays account is reported as being charged off on XX/XX/XXXX. However, they reported a 120 day late payment for the following four months after the account was already closed. They are continuing to report new negative monthly payment information on this account. Barclays is also reporting on XXXX a credit limit of {$10000.00} from XX/XX/XXXX to XX/XX/XXXX when the account was closed in XXXX. 
On XXXX Barclays reports being closed on XX/XX/XXXX which differs from what they report on XXXX. However the payment history reports the following four months after the account was closed as 120 days late.

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 2016-05-05
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1st complaint : I tell XXXX person I coming in on Friday to make a payment ; the next day someone will call to see when I coming in to make payment. Because either the person did note the acct or the new person who is calling did not read the notes. 

2nd complaint : I told XXXX people already I coming in on Friday then someone call me on Thursday to verify if im still coming on Friday. 

3rd complaint : Someone will call me on Friday if I have not came in by XXXX to see if I still coming. The office is open til XXXX and the also have a drop box. I have explained to them over and over I work until XXXX and I have XXXX children to pick up so I will either get there before the close or put it in the dropbox.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANKI Feel like Experian is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi my name is XXXX XXXX XXXX XXXX and Im reporting an issue with Apple Credit Card with Goldman Sachs, unfortunately Im this past year Ive been incarcerated because I hit someone for occurrence of a mental breakdown that happened to me because of drugs during my mental breakdown Ive thrown away my XXXX, XXXX and watch that were linked to my XXXX  that I have my credit card, which was XXXX, and because Ive added a lot of features on my account like recovery key and two factor authentication but since Ive spent 2 months in jail Ive lost my number because XXXX XXXX XXXX had canceled, after being released and Ive got a new XXXX and created a new XXXX, tried to contact Apple and they say that I cant use the same credit card on different XXXX and that I needed to close my account and submit a new application for credit card, which would impact on my credit score. 
The main purpose of this complaint is to try to transfer the credit card to my new XXXX, the balance of the credit card is completely paid and I dont have interest to close this account because I have this account for more than and year. It would hurt my credit in a lot of different ways plus the stress of submitting a new application, resulting in more unnecessary damage to my credit score.

Company response to consumer: Closed with explanation