BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-17
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This would be " Part II '' of my complaint. I have submitted XXXX regarding my prior mortgage company XXXX XXXX. 
My mortgage company, XXXX XXXX XXXX, sold my loan to Roundpoint Mortgage. Since Roundpoint has had my loan, they have insisted that I am in arrears due to money owed with XXXX XXXX. I was caught up with my payments with LenderLive ( although apparently they beg to differ ) but can not get them to communicate with me or Roundpoint and this should certainly been done by now. 
My biggest problem with Roundpoint is that they are trying to charge me late fees for this Lenderlive problem. I have since paid the XXXX while I am trying to straighten them out the problem but it is not my debt or error. I paid all of my mortgage payments!! 
The other problem is Roundpoints awesomely BAD customer service. I have called several times and each person I speak has been very nice but has NO idea of my true loan history is with them. 
1 ) Their bookkeeping is very confusing. I call them to discuss this past due amount that is hanging out and they tell me something different every time. First that I NEVER paid XXXX in XXXX ( but I did ) ; once they told me I never made an XXXX pmt to Roundpoint ( but I did ) ; they told me that I have only made 2 payments ( when I have made 4 ). When the last lady I spoke to said that, I asked to speak to her supervisor who kind of straightened things out - she said I had a nonsuffient funds on XXXX I tried to pay. I said I had plenty of money in the bank then. I asked her which of my accounts they submitted it to and she said my XXXX XXXX XXXX ACCOUNT a bank account which I have NEVER had ( yet I did receive an email confirming my transaction was for the correct account and correct bank so why did they submit it to the wrong account????? ). She took off the late charge with the agreement that I would pay the XXXX with another account. Which was " nice ''. 
Upon hearing this, I made another payment for the XXXX NOT because I owe it but because I do not want to have to contest late payments in addition to everything else and I do not want to ruin my credit. I do try to look up my Roundpoint account online to check my payments but the only thing they have posted ( as of today ) is attached ( for XXXX/XXXX/16 for XXXX - the nsf XXXX that does not even show up ) ; payment for XXXX for XXXX and payment for XXXX for XXXX. I CAN NOT SEE ANY OTHERS OF MY PAST PAYMENTS. 

At least they do answer their phones but 99 % of the time they have the wrong information. 
I am attaching a copy of my LAST XXXX XXXX mortgage statement and a copy of the FIRST Roundpoint mortgage statement I have. Maybe you can see what happened during this transition to make me incur this XXXX debt when it was transferred. Can you help me please? 
Thank you! 
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 2020-03-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I went to a buy her pay her in XXXX. I had no money down and dealer wanted a deal. He put that I had a down payment of XXXX on a XXXX  XXXX XXXX. the payments was XXXX math. was making payments. all of a sudden car starts falling apart. rust and water damage let truck start falling apart start to complain he said I'm not in warranty. I gave them back there car and the auction the car for nothing now. now the want more money ... and it's damaging my credit report. please help remove thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
On  XXXX   XXXX ,  XXXX  I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In  XXXX  of  XXXX , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my   XXXX   XXXX   XXXX   XXXX   XXXX   if i did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

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 2022-09-09
Company: Personal Finance Center
State: GU
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing yet again another complaint against XXXX XXXX from PFC ( Personal Finance Center ) and their attorney XXXX XXXX based off of their total disregard for the Consumer law, Federal law, and the XXXX XXXX. They issued a notice of foreclosure on XX/XX/XXXX and I filed a complaint against them to which they did not stop the sale of my house and only postponed it to a week later which is XX/XX/XXXX they have yet to respond to the complaint I filed on the 2nd but yet I was served an apparent " expedited foreclosure " on XX/XX/XXXX which based off of the XXXX XXXX is not recognized here and even if it was my home does not meet the criteria to merit such an order. PFC and their attorney XXXX XXXX have shown time and time again their total lack of respect for their customers and also their total disregard for any of the Laws they stated they apparently follow which they do not in anyway and my previous complaints and their responses are enough to prove my point even up until the time of writing this complaint they have never came forth with any sort of resolution to the issue at hand and instead are more focused on foreclosing on my home. I am very displeased at XXXX XXXX ( PFC ) and their attorney XXXX XXXX at not only how unprofessionally they conduct themselves but how unwilling they are to assist their customers. I would like to see a resolution to this but I highly doubt there would be one seeing as they are more focused on foreclosing on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On Thursday XX/XX/2022 Columbia Debt Recovery LLC DBA Genesis phone number XXXX contacted againt my work place XXXX XXXX XXXX in XXXX WA for the second time and talked to a security guard in the control center about my personal information. XXXX  policy prohibited phone calls from collection agency or soliciting company. Also FTC considers a collection telephone call to your work place from a creditor unfair or deceptive act. The representative from this company XXXX XXXX is calling to my work place several times. I told him that STOP calling me instead use email, but he continues to do his bully job. I meet with my supervisor about these two phone calls. Next time will be a mark in my employee file. Also, I told XXXX XXXX that I work in a XXXX  XXXX  please respect the XXXX  and co-workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: PNC Bank N.A.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On  XXXX   XXXX ,    2017, I s ent a certified letter  to PNC Bank re questing proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing  XXXX  that the debt has been disputed. Note : This certified letter was signed for by PNC Bank on  XXXX   XXXX  , 2017.    On  XXXX   XXXX ,  2017, I pull ed my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,  2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 after th ey signed for the certified letter on  XXXX   XXXX ,    2017 an d the information has yet to be updated to claim I have disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: MI
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:
Putting the same credit debts that supposed to be erased and were off my credit back on my credit as flagged accounts. going in and changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On my statement billing cycle ending on XX/XX/2020 CitiBank issued me a credit for fraudulent charges of {$1600.00}. On my statement ending on XX/XX/2020 I was RECHARGED for the unauthorized online purchases in the amount of {$1600.00}. 

I advised the bank that XXXX  had my card as an authorized purchasing option. However, my XXXX was compromised and the card was charged for online purchases on XXXX. I advised CitiBank that these charges were not authorized or performed by myself or any authorized user. It seems they were correcting the issue but have now un-reversed the fraudulent charges.

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 2016-07-13
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recently I learned that I have been victim of identity theft. I have find that some one unknown to me has used my personal information to get themselves credit and because I was not receiving any statements from different credit card companies some items ended up in collection which I had to hire a company to take care of the matters for me. I assumed everything in my credit report was cleaned up until a month ago when I decided to get a new job and I knew that who ever I apply for employment they are going to pull my credit report. I did that my self and purchased a copy of my credit report and noticed that there was a collection account from BEST SERVICE COMPANY for an unpaid XXXX account. I immediately wrote dispute letter to credit bureaus then I wrote a dispute letter to BEST SERVICE COMPANY and explained my situation to everyone. XXXX f the bureaus they removed all the negative items but XXXX still indicating the account from BEST SERVICE COMPANY still is in my credit report. and I have not received any response back from BEST SERVICE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of america charged a late fees ( XXXX ) and interest of ( XXXX ) on XXXX missed payment of ( XXXX ) .. I called and got the late fees reversed and paid off all the purchases ( XXXX ) ... I was under the impression they would reverse the interest charges but it turns out they did not. I did not look at the account after that as I did not make any new purchases. To my shock i saw my credit score drop by XXXX points due to XXXX day past due balance of XXXX on this account ... when I looked at the statements I found Bofa charged {$1.00} per month on the outstanding interest of $ XXXX two months..this on an APR basis is more than 120 % ... .I can afford to pay this and that is not my problem ... but my problem is with these hidden minimum interest charges which result in such high APRs ... even though the disclosures state the maximum they charge on a delinquent account is 29.99 % ... there has to be some rule against this loop hole where banks can charge interest over interest ... at rates that are so high ... this can impact a lot of vulnerable people who do not understand this. This applies to the whole credit card industry .... 
I called Bofa XXXX times today to resolve this but they did not reverse the interest charges. I guess this is all covered in disclosures but there needs to be some common sense built in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQUIFAX has been pleasant to deal with for the most part but the keep reporting a dept from XXXX that was from 2005 and I am pretty sure it is passed the statue of limitations and should have been removed by now. 

There is also payment history from XXXX XXXX XXXX and XXXX that need to be removed for the same reasong ; they are too old to still be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
Instructions : Please make sure that all aspects of this account are reported XXXX percent accurately. We also see that the payment history on this account is incomplete with fields including the Scheduled Payment Amount and Actual Amount Paid missing in many instances.

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 2019-11-09
Company: A-1 Premium Acceptance, Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I have called them several times. I had a arrangement of XXXX and they took out XXXX from my bank account nobody will talk to me and they have taken more then I owed and I keep sending stop withdrawls they are not calling me back I don't know what to do. I am not even past my date of final payment yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a sofa and armchair from XXXX XXXX XXXX ( a XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$6400.00}. 

At the point of sale, the Pottery Barn sales representative also pushed me to open a Pottery Barn Capitol One credit card and described various perks associated with the card. She also told me that I wouldn't be charged for the items until they were delivered. The delivery is now scheduled for XX/XX/XXXX. 

Upon further review of the Pottery Barn Capitol One credit card, I realize the use of the perks are more restrictive than I had understood. Therefore today, XX/XX/XXXX, I called Pottery Barn customer service and requested that I switch payment to another credit card. 

I spoke to 4 representatives from Pottery Barn and Capitol One. I was informed that the charge was already made upon shipment of the items, rather than at delivery which I was verbally told by the sales representative. In addition I was told that I can not make the payment switch without further delaying the delivery of the furniture which I have already waited for since XXXX. 

To be clear, I am not disputing the charge. I merely want to pay with a different credit card for items that have not yet been delivered. 

I consider this to be a predatory practice by Pottery Barn and related entities Capitol One and XXXX to 1 ) push their credit card upon consumers and 2 ) refusing to switch the payment source for an item that has not even been delivered yet. 

Further, when I spoke to a Pottery Barn customer service supervisor and asked for the name of the corporate department with which to elevate my request and complaint, I was told that she would not give me that information and to " look it up on the internet. ''

Company response to consumer: Closed with explanation