BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I filed an dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation results. XXXX  is reporting XXXX credit as open account, collection and derogatory account at the same time which is in violation of the credit bureaus and my rights. XXXX  is also reporting XXXX and Portfolio which has been deleted of XXXX  .I demand the credit bureaus take off everything I didn't authorize. The companies owe me {$3000.00} dollars for violation my rights. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed XXXX sold XXXX my home on XXXX/XXXX/2015. Green Tree Loans was the holder of my XXXX mortgage. I attempted to cancel my autopayment on XXXX/XXXX/2015 ( when I realized the XXXX payment had already been factored into the payoff quote ) but apparently it had already been 'pre-drafted '. 
I reached out to Green Tree the day after XXXX XXXX/XXXX/15 XXXX to notify them of my new address they should use to send my me a check for my extra payment ( because they could n't remit to the sending bank account # XXXX. After not receiving a check w/in the 30-day window, I called Green Tree. They said they had shipped it to my old address. And they could n't send a new one until the old check had been cancelled. It 's now XXXX, I 've called twice to make sure my check would be sent out, and twice I was assured they were on top of it, and they would call me when the check had been mailed. Still have n't heard a word from them OR received my money back! Where is my money? Are there fees/penalties they should have to pay? They were charging me interest at 7.5 % on that mortgage, but I must wait endlessly while they hold my money interest free?!! 

Additionally, when I refinanced almost 3-yrs ago, my rate lock almost expired because Green Tree refused to work w/ my bank XXXX XXXX XXXX XXXX even though it was a no money out refinance, to a lower rate, and they had already received the subordination fee. The customer service is horrendous, and I 've felt powerless to do anything other than wait while they run me around and give me nothing but stories about where my money is! 

Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CBC Companies, Inc.
State: NY
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:
I have an opened case ID # XXXX at XXXX XXXX XXXX as they have not properly reported my payment history to XXXX  since XX/XX/XXXX. The case is stil not resolved. Now we also see that they do not report properly to Innovis as they should. XXXX says it reports to XXXX, Innovis and XXXX. My latest credit report sent by Innovis on XX/XX/XXXX shows a fully blank payment matrix between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: TN
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: Billing dispute for services

Complaint:
On  XX/XX/2017    experian charged me {$21.00} for a credit monitoring service and the following business day I contacted my financial institution. I came in and they stated it needed to be disputed with experian and called them. Experian stated it could not be refunded because it was in the fine print of the {$1.00} fico score I payed for. They also stated they did n't have a customer relations department I could speak to. This all resulted in other auto drafts in my checking to go into overdraft and I the customer am left eating the entire cost. Completely unacceptable.

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 2016-04-22
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did not receive anything from Ditech last month. I had my billpay set up for mortgages and they sent out on XXXX XXXX, 2016. Apparently, Ditech updated its computer system for the XXXX week of XXXX. I could not even log in to my account. In addition, Ditech changed all of my account numbers and despite receiving the billpay checks, Ditech " rejected '' payments for XXXX mortgages for ( new ) account numbers. Then, Ditech assessed illegal late fees for each account and proceeded to harrass me by calling me 3 or 4 times a day demanding payment despite the fact they received billpay checks on time. The checks had the old account numbers before XXXX XXXX, 2016. I paid all XXXX over the phone, then XXXX of the XXXX billpays were finally cashed on XX/XX/2016 and it does, in fact, state that the check was sent on the XXXX of XXXX. I had to cancel the payments over the phone because they were essentially double payments. Since then, I made sure every account is current, even making payments a second time for the month of XXXX for XXXX accounts, which billpay checks are being retained by Ditech, but not cashing them. The representatives I spoke with stated that I would be credited back the late fees. However, this has not happened. All I get over the phone is transfers to full VM 's or I leave a message to be not returned. Further, their " new system and website '' keeps kicking me out. Please CREDIT me with the illegal late fees and TELL ME what you are going to do with the XXXX remaining bill pay checks.

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 2017-02-10
Company: JH Portfolio Debt Equities, LLC
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:
I would like to dispute any debt on the alleged account this debt collector says I owe.I 'm attaching a letter on regards.

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 2020-04-17
Company: EQUIFAX, INC.
State: MI
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:
I have sent several disputes to the credit bureaus to update this balance however they refuse to. This balance has been paid off for 3 months now and none of them will update it to the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been trying to dispute the accuracy of acceptance Now on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since 2020. There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false 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 2016-02-26
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
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:
They are saying they can take me to jail for something i knew no knowledge of has farr as XXXX for my lisense plat XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Harassing and threatening phone calls daily from this law firm. violation of all FTC regulations. I have been discriminated during phone calls with this company. called XXXX person. false billing and criminal tactics. false accounts which i do not owe nor responsible for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: IL
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:
I have been trying to dispute the accuracy of XXXX XXXX on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was a victim of fraud. I am a XXXX. I was contacted through the Internet by a group that said they were a non-profit healthcare agency and they wanted me to edit a pamphlet on XXXX by an author whose native language was not XXXX. It was a legitimate piece of work. They said they were sending the check to pay for it ( {$200.00} ), and then told me they wrote the check for the wrong amount and asked if I could send them the difference. I asked why they did n't stop payment on the check, and the answer was the usual garbled flakiness you hear from a non-profit. When the check came I took it to my bank, with whom I had a 20+ year relationship. They usually give me immediate credit for any check, no matter how large. They said they wanted to hold this XXXX for 24 hours so they could make sure the money was actually in this company 's account, and when the funds were released, I could take the money out. I waited, the funds were released, I transferred {$2300.00} to the non-profit 's account, and then the check bounced. 
The bank took the {$150.00} in my checking account to apply to the arrears and said I owed them {$2100.00}. That 's a huge amount of money for me. I 'm on the wrong end of the age scale and have been trying to get a fulltime job since 2008. I live on social security and what I can earn XXXX and doing XXXX. I 'm barely making the ends meet. At the bank 's direction, I filed a police report and they also investigated. They determined that fraud had actually occurred, but are insisting I pay the money back to them, even though their teller told me that when the funds were released, it meant that the bank had determined the funds were really in the specified account. 
Please contact the XXXX XXXX, MD Police Department XXXX XXXX at XXXX and ask for XXXX. The case number is XXXX. They have all the pertinent documents in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021, I went to my lender 's website to apply for the covid-19 forbearance that was still available. Afterwards when I was doing more research on what assistance I have available to me, I discovered that the forbearance offer ended on XXXX XXXX! They falsified the facts that it was still available by still offering the link to apply for it! That bit of information should have been on the forefront of important information that they would be relaying to their customers being the fact that they are a mortgage company. There was also a like offered at the same time next to the link I used that was labeled other assistance that I am unable to go back to since I already picked the forbearance link. 

This link should have been removed from being available XX/XX/XXXX, NOT XX/XX/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 2016-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was repeatedly contacted by Account Manager XXXX XXXX even after a open inquiry disputing several charges. I called to complain to their escalation department and the customer service representative said they are a " legal front team '' and implied that I had no right to complain about how disrespectful the Account Manager was to me. I insisted that I be connected to the escalation department where I can file a complaint. I requested a different Account Manager a XXXX XXXX. I was told I would hear back from them within 48 hours but not response after a week and she has sent another threatening letter giving me until XXXX XXXX to call her about the debt. Is this legal to be dealt with in such a matter? It is not my intention to evade the debt but with someone that is n't so rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: World Acceptance Corporation
State: TN
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 decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was XXXX a new CapitolOne Debit XXXX. It came right thru my mail slot. I called CapitolOne, spent hours being routed to various departments and on hold, trying to get them to turn off the card. They were less than helpful. They would not tell me how the card came to be. My XXXX credit reports are locked, as is my checking profile, so no new cards should ever be issued on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company about a debt from a " loan '' that they say I owe. I am a federally protected consumer and they have violated my consumer protection rights. Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). They have violated several laws Truth in Lending & FDCPA. All of the laws that they are in violation of are listed in my attached letter. I demand that they XXXX  out the balance and remove all negative remarks to this account and also contact ALL of the consumer reporting agencies that they have this account reporting to and have them delete the account. I also never gave this company permission to send my information to any consumer reporting agency which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I have a XXXX American Express Platinum card, which offers a companion certificate for travel within the continental United States subject to certain rules and restrictions. I identified an itinerary where I wished to use this companion certificate, as well as a fare that met all of the rules and the restrictions for the award. I attempted to book this via the XXXX website initially, and then via the phone when the website said there were no results available. 

I spoke to an agent, who told me that even though there were published routings that qualified, there were no privately available routings that qualified. He advised me to file a complaint with the CFPB to receive additional assistance, as they only provide staff with the ability to book via a smaller number of private routings that they have available to them. 

Pursuant to the instructions of the XXXX/Amex support representative, I 'm filing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
american express keeps calling from like XXXX and claiming to send police to my house to take me to jail was very vulgar language to address i owe this company more money than i even could pay for. or even could get credit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer. I do not work for XXXX XXXX, neither have I ever. Correct employer is 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 2022-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I completed my American Express Platinum card Platinum $ XXXX spnd/XXXX MR Pts signed up bonus and these points were posted to my account on XXXX/XXXX/2016. On XXXX/XXXX/2016, American Express took these points back due to " adjustment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I signed up for my " XXXX '' American Express card willingly XX/XX/XXXX. I received a letter saying that XX/XX/XXXX my card will be closed, due to no fault of my own. As a consumer, my XXXX credit score will be negatively affected not due to any fault of my own. I have a XXXX available credit limit now, I use the card responsibly, and am going to be adversely impacted due to American Express and XXXX ending relationship. I spoke with Amex and the only resolve they offered was to sell me a new card ( furthermore giving me the negative credit history for opening up a new account. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Sarma
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't even know who this bill collector is, but they 're calling from XXXX. They are asking for my stepmother who I have n't lived with since 1992, and whose finances I have NOTHING to do with. When I tell them she does n't live at this number and has never lived at this number, they claim she gave them my number, but I know that 's not true. I do n't even speak to her much anymore! Why would she be putting down my phone number? Even if she 's putting my phone number down, I have nothing to do with her debt. 

There is no debt I owe them. They have no right to be calling and harassing 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 2017-02-27
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This particular account was sold to midland funding The account in question is over seven years old and the collection agency Midland Funding practice illegal credit reporting practice this account was removed by this company days later they put it back on my credit file I have experience the taking off and on at least 3 times I took screen shots for the record of this unfair advantage that they have over the consumer

Company response to consumer: Closed with explanation