BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My cable company took money out of my account. I was charged 2 insufficient fees. I put in a dispute, and the customer services reps have told me repeatedly that the provisional credit would be in my account in a matter of days, and the 2 fees would be as well. None of this has happened, and its been 8 days. I spoke with XXXX in XXXX, NY, she was a Complete XXXX to me, and I disconnected the call. I called again yesterday and today, and have gotten nothing but RUDE people NOT WILLING TO HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I AM NOT DEALING WITH THIS ANYMORE!!! I am a XXXX, have no money right now, and I am a Single Parent, who DOES NOT RECEIVE ANY CHILD SUPPORT!!!!!!! XXXX was the last Supervisor I spoke too. He was mean, and was arguing with me!!! I am not dealing with this. Something better be taken care of soon, or I am reporting this bank to the XXXX, and the XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
visited the free credit report website and then proceeded to the Experian site where I was told that I must make a {$1.00} refundable deposit, When I did so, foolishly, I was deceptively signed up fr a credit monitoring service. It wa not my undestanding that this was nautomatic ad that I had to physically cncel XXXX service =, ecause this was done wthout my knowledge, I did not cancel aything until I recived a charge on my checking account for {$2.00}. I di cal and complain but was told. too bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I have a credit card that I use to collect reward points to put toward cruises. In XX/XX/2016 I cashed in XXXX points toward my prepaid gratuities on an upcoming cruise. The cruise line never received the funds for the gratuities. I have been trying to get this fixed since last XXXX. I have been told something different by every person I have spoken to. Twice I have been " escalated '' to management but no one from management will speak to me. Today I got an email from my cruise line that there was {$140.00} extra to pay on my cruise. When I questioned why I was told it was because this same credit card company has denied the points I have previously cashed in and demanded a refund from the cruise line. I received no communication from the credit card company about this. When I called my credit card company again I was escalated to management but have received no return call. I am now going to have to pay {$190.00} for gratuities that I should not have to plus another {$140.00} that I have already paid because of the credit card company. I have a case number of XXXX for my requests for the points to be returned.

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 2016-06-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian just informed me that XXXX XXXX XXXX remains on my account. Can you explain how it remains when they told me that the account was closed in 2014 with an unknown name, my wife 's maiden name, and an address in XXXX Virginia when I have lived in XXXX Virginia my whole life, just check the XXXX records.

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 2015-04-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I HAD A JUDGMENT ON MY CREIT REPORT I HAVE PROOF IT HAD CAME OFF MY CREDIT REPORT AND SOME OW IT CAME BACK ON AFTER IT WAS TAKING OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I BUY DEALER CHOICE IN XXXX CA I TEST DRIVE THEY KNOW ABOUT IT I TEST FRONT SHAKING THINK TIRE I PUT DOWN XXXX AND DEALER PUT DOWN XXXX I ASL FPR WARRTY HE SAY WAIT FINISH SIGEN ALL PAPER LAST MIN ( ASIS ) SHOCK HE SAY NO WORRIED BRING CAR I DID FEW TIME NEVER DID FOOLISH ME I WENT TO SHOP FOUND OUT FRONT FRAME DAMAGE AXLE IFEW DAYS I GO OTHER SHOP FOUR SAME STORY TOLD ME TAKE CAR BACK I DID HE REFUSE TRADE OR MONEY BACK I CANT HEAR WHEN COME OFF U ALL CAN HEAR NOT ME I DO RISK DRIVE PO [ P AND STOP HARD RUN OVER YELLOW LIGHT I CANT STOP LAST MIN BRAKE BAD, COST OALOT XXXX TO XXXX DOLLAR NO WAY I WANT MONEY BACK I TRYING TO GET LOOAN CANT HARD BEFORE TOO LATER KEEP DRIVING HAVE ALREADY CRACK THANK U I DID CALL LET THEM KNOW ABOUT CAR BAD .CREDIET ACCPTANCE MY PAYMENT THEY CANT HEKP ME. I DID CATCH UP PAYMENT WHEN CAR PLMS FIX I AM SO TIRED FOUND OUT FRONT FRAME DAMAGE I NED YUR HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted Credit Acceptance 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: American Financial Resources, Inc.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I requested an application for a morgortage and when the application was received it had already been filled out. It had information regarded another individual such as their name, number, address both current and pervious, it contained their place of work, and social security number. I then contacted the morgortage consultant and explained it had all this information in it and he acted like it was no big deal, that I had another person social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have tried to fix my issue with Experian numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed Experian is reporting the views on the cumberland was opened on XX/XX/2016. Then on my XXXX report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate 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 2015-10-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have a Fraudelent ID Theft problem because of a breach of XXXX XXXX XXXX XXXX 's data base. This is the second time I have had a problem calling Experian to initiate a renewal of my free 90 day ID Theft Credit Fraud alert via the phone number shown on the FTC website : XXXX XXXX XXXX. They do not have a distinct option ( or number ) for dialing into and resolving this problem. I submitted a similar complaint to the CFPB on XXXX/XXXX/2015 Case number XXXX, which was resolved in my favor. This problem constantly recurs, and there is a distinct attempt to direct the consumer to a credit freeze, because that is the closest option available for a ID Theft Alert, and it is a service the consumer must pay for. Please help me resolve this problem, not only for myself, but for other consumers as well. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted this company several times asking them for debt verification. I have also contacted the original apartment complex and they told me to contact the CA. They are trying to force me into paying this debt that I do n't owe. They dont have a lease. We even went to court with this company and they ca n't even provide me with the transcripts from court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax XXXX I made several requests to get my credit reports by phone and mail they both refuse to properly update information. Equifax has the wrong birthday and collection reporting and inquiry errors no score or report this is null and void since it's incorrect personal information. XXXX wrong physical address phone and email collections and Inquires wrong refuse to update or fix no credit report or scoreXXXX XXXX wrong inquiry 's nd collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( Ocwen ) wanted me to make monthly payment of {$530.00}. I paid from my bank account every 2 weeks with amount {$300.00}. They still tell me owed them? When I start my payment ; I set my bank account to made payment full amount of they want for this first month, and set my bank account to start pay as {$300.00} every 2 weeks. Total {$600.00} per month. When they told me I owed them ; I made the payment direct from my bank account ; paid them full amount they wanted for that month ; and split 2 payment of the next month start from middle of next month as one on XXXX or XXXX of the next month {$300.00} and {$300.00} at the end of next month. I did this as two three time. They still said I owed them and late payment? I call them to dress the problem ; they accuse and sometime they hanged up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed by Ocwen Loans. It was my primary residence. They are reporting to the credit burrows that I still owe them over XXXX dollars. They should be a XXXX Balance. I spoke with a representative and they were unable to provide me with the correct information after several attempts. This is interfering with me purchasing a new house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Allied International Credit Corp., (US)
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Allied International Credit Corp. sent a letter to collect on nonexistent transaction from XXXX. Totally fabricated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Sherloq Group, Inc
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MACD inc. Is reporting a debt to the credit bureaus that is not mine. It has been previously removed when the debt belonged to a different collection agency, and now they are reporting it to the bureaus through macd since they 're no longer allowed to through the other agency mcb.

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 2016-02-03
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Phh Mortgage servies. Have been tryikng to get a Hamp Modification for a year. They keep saying my paperwork expired or something is missing. They held my payments in a suspense acount and reported to my crdit report that I was n't paying. Told me i got the loan and tried to have me sign papers that would have caused XXXX more in iterest. Trying to fourclose on me now even though i have been paying every month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Western Portfolio Assets
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX contacted me today through a XXXX party ( blocked number ) to alert me that legal action will be taken against me on Friday. They will be mailing off a court summons on Friday to my place of employment and my home address ( I have this on voicemail ). I was also instructed to contact above phone number for further information. When I called that number the person who answered the phone stated " legal department. '' When I asked for teh company 's name I was told XXXX XXXX XXXX. I was asked to confirm the last XXXX of my SSN. I was told that I owed over {$1500.00} for a credit card ( XXXX ) debt that I disputed over 8 years ago and got removed from my credit report. I was told by the representative of the legal department that once they file to sue me my wages and bank account can be garnished and the account will be placed on my credit report again. I contacted an attorney who called the company and he confirmed that it was a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-19
Company: Asset Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone called at work from a XXXX at Asset recovery solutions. This person was very degrading and I spoke to me in a very condescendingly way. Then alluded to suing me for not paying my debt.

Company response to consumer: Closed
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX  and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. XXXX XXXX  was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.

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 2021-03-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2018 I switched to XXXX  mobile service from XXXX. The salesman advised he would pay off any amount due to XXXX XXXX and took all four of our existing XXXX XXXX  phones. I received several calls from XXXX XXXX  advising me of a {$870.00} balance due. I made contact with XXXX and XXXX XXXX many times trying to resolve the matter without success. At one time I was told that the salesman was fired for making false promises to potential customers. The debt was sent to Credence resource management and is now on my credit report. Please help. Thankyou

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
Citibank sold debt to a series of debt collectors. The debt amounted to {$11000.00} I believe that this debt amount was a material misrepresentation. The debt collector might have used an inaccurate 29 % APR to falsely increase the total therefore increasing their potential share of the written off debt. 

Please confirm if my debt was part of the recent class action lawsuit. 
http : XXXX Thank you

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 2016-07-30
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Here is basically what I have sent to the Attorneys for XXXX XXXX XXXX and Caliber : I would like to propose a settlement solution for both XXXX XXXX XXXX and Caliber. I sent a timeline and XXXX exhibits ( I have uploaded ) to show you what occurred for these two and a half years when my husband and I were trying to modify our loan. My attorneys did not use this information ( which I was very angry about when I found out ) in the case, and, I believe proves the dual tracking and violates the Homeowners Rights law. If you had a chance to look at the timeline along with the letters and documents ( uploaded ), I think you will agree that there was total confusion when XXXX XXXX XXXX sold the service rights to Caliber during our modification process. All along I believed we were going to get that modification because our income was XXXX higher than when we first got the loan in XX/XX/XXXX, and we had excellent credit. It was just a matter of persistence. 

You can see by my timeline that Caliber was trying to foreclose before they were officially recorded with the XXXX County clerks office on XXXX XXXX, XXXX ( see timeline and exhibit ). However, we were told that Caliber was the servicer as of XXXX XXXX, XXXX ( see timeline and exhibit ). After I was told that we had to start the application process all over again with Caliber, I immediately turned in a XXXX page application with documents and another XXXX documents sent on XXXX XXXX, XXXX ( see timeline and exhibit ). When I tried to speak with someone at Caliber about the application I was told that there was little information at the moment because they were in the process of XXXX XXXX XXXX turning over all the loan information to Caliber and to call back later. It was total confusion! This was only one month after the service rights were transferred ( but was not recorded until XXXX XXXX, XXXX ). We had no time before the sale date to even appeal. We were denied on XXXX/XXXX/XXXX ( see timeline and exhibit ) three days before the trustee sale. It should have been 30 days later according to the law. 

I am XXXX years old and in the process of my divorce. My husband walked away leaving this foreclosure issue all to me and washed his hands of it. We are going to trial on XXXX XXXX, XXXX and will be divorced. The reason I filed for bankruptcy is to stop the foreclosure process and I legitimately want to restructure my debt and pay back my creditors. I have received a short sale offer with an approval that I would like to see close, but the foreclosure is on XXXX XXXX, XXXX and we need to know its stopped. I also have a back-up offer as well. Please stop this sale we can close this sale. 

Please read the uploads regarding the timelines and exhibits regarding the Lenders violations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone by the name of XXXX XXXX calls and left a message for an XXXX XXXX on my cell phone saying she ca n't give anymore information and this is her last attempt. She needs to call her back by the end of the day.

Company response to consumer: Closed with explanation