BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: ZENCO COLLECTION, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A collection agent contacted my XXXX year old mother looking for me about a collection for 2008. My mother called me upset because she was told it was an emergency. 
I contacted the agent back to be verbally abused. I noticed an entry was made on my credit so I called back again and Spoke to XXXX XXXX were I was threatened to be sued.

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 2016-04-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I reported fraud activity on my card a month ago ( I had XXXX cards that were hacked, have filed the info with the XXXX agencies and FTC ). Since that time, I have been denied access to my account, the company/bank has so misconstrued the fraud report that it has cancelled out payments I authorized to the extent of over {$1000.00} and never attempted to verify the information with me, and it has threatened me with a demand for payment of the unauthorized cancellation. I have done all due diligence and am not sure what the next step is other than legal counsel.

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 2016-08-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am not sure who the credit reporting company is that have the wrong address information. I never resided at XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please update my personal information to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Midland Funding has not provided validation that is competent and bears my signature showing that I have or ever had a contractual obligation to pay for the debt that I am being accused of creating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a widow. Seterus is preventing me to assume the mortgage loan to avoid foreclosure. XXXX helped me file a complaint with CFPB, but CFPB said I had to file the complaint myself, case number : XXXX. I have faxed Seterus the original deed, wedding certificate and death certificate. Seterus keeps telling me to go trhough probate. I 've been informed that under the federal code regulations and XXXX 's guidelines, Seterus is supposed to speak to me and allow me to assume the loan. They are going to take my house and no one seems to care. I have already lost my husband, and my son, I am trying to keep the last thing I still have. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Account # XXXX Please delete this on my credit report. This has been paid and never use. 
I am trying to refinance my mortgage and it is really hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2015 I booked a hotel reservation on XXXX for the XXXX Hotel. The reservation clearly stated the cancellation policy was as follows " cancellations or changes made after XXXX ( mountain daylight time XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 or no-shows are subject to a hotel fee equal to the first night 's rate plus tax and fees. ". I received an email confirming this booking and this policy. After our travel plans changed, on XXXX XXXX, 2015 I went back on XXXX and cancelled the reservation. At that time I received an email from XXXX confirming the cancellation stating the following : " You have cancelled with full refund of deposit by hotel. If you have been charged a deposit or partial payments, you will be issued a refund by XXXX XXXX XXXX ''. On XXXX XXXX, 2015 I received a " Large Purchase Alert '' from American Express in the amount of $ XXXX from XXXX XXXX I called XXXX and informed them I cancelled the reservation. They informed me since the booking was made through XXXX I would have to contract them. I called XXXX and spent 3 hours on the phone with them. Despite clear emails stating the contrary they stated they unfortunately the reservation was non-refundable and there was nothing they could do. I also called American Express and explained the situation and they have said since the transaction was with XXXX and XXXX views the reservation as non-refundable there is nothing they can do to help me. American Express recommended I contact a " 3rd party '' for help. At this point neither XXXX or XXXX are taking responsibility and despite all my time and effort I have been charged the full $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Payfare International Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
XXXX XXXXPayfare cant or wont help!! Last night I tried to transfer money to my XXXX XXXX card. It was about XXXX XXXX. It said bank declined on the first transaction. I kept trying to no avail. Customer service said I had to wait until the morning to call the specialists. I did that and was told my card was locked for 24 hours with nothing they could do. Waited until about XXXX XXXXXXXX and the card still isnt working. Called customer service with the call hanging up 2 times from their end and was on the phone for an hour and a half all to be told again to call back to speak with a specialist in the XXXX Im so upset. My whole paycheck is on this card and it wont work! Now my rent and every other bill will be late because they cant lift the hold or even fix the issue! I spoke with over 6 people tonight! Between calls hanging up and being transferred nothing was done! My money is still just sitting! I tried to make an XXXX purchase and that was also declined. They keep saying I tried to do too many transactions on XXXX XXXX yet it declined on the first try! Ive had another issue with them before with this locked card mess! Im so over it and Im upset. I cant even get gas and Im on E simply because they have somehow locked my card for 2 days now and I cant use my money!! Theres over XXXX in the account and I cant touch it and they keep saying its being escalated. This is the XXXX XXXX pre paid card and I would not recommend at all! Customer Service isnt good at all! After being transferred multiple times the phone hung up twice! Ive never had an experience so bad with a company! Im also going to try to call corporate because this is ridiculous. Called at XXXX XXXX and didnt get off the phone until almost XXXX! Have to be up for work at XXXX, but was waiting on this imaginary 24 hour hold that never lifted at XXXXXXXX XXXX when it should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I check my credit it had drop by XXXX points which left me very up set with the error with both credit reporting agencies. Regarding " XXXX XXXX amt.. {$360.00} '' which is erroneous. Please fix the problem immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Currently the credit reporting agencies are reflecting a public record bankruptcy and the courts and XXXX have verified that there is no such record or information. I have made various attempts to dispute the derogatory however, the agencies are determined to " lock '' my files for a 10 year period. This has lowered my credit score and reflected a negative response to my present creditors and potential future creditors. Please advocate for me in this challenge to have the derogatory information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The Credit bureaus stated my account was properly investigation but how is that possible the name of the credit collection company isnt accurate, the name of the original creditor is not accurate, the account status is not accurate, the status updated isnt accurate, as well as the date of the balance update is not accurate. At the bottom it clearly states I already disputed this item to no avail. This is very disheartening knowing the credit reporting companies dont accurately investigate disputes. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
its a 3rd complain about the closing the mortgage with TD bank 1. We refinance teh mortgage with TD bank on XXXX XXXX. 
We paid all pay off amount but back in XX/XX/2020 we received a letter from TD bank stating that we own an additional {$5500.00}, It was a school taxes that TD bank paid althiught we refinance we the different bank back in XX/XX/2020. 
2. Title company issued a refund in the amount XXXX to TD bank, the check was cleared by TD bank. 
3. I, myself. along with the lawer Mr. XXXX XXXX spend 3 month contacting tTD bank, talking to the superviosr explaining that the mortgage is paid off, title company send a proof that TD get a refund for teh taxes paid.

4. We send all proof to TD bank a few times and teh issues was seems to be resolved.

5. When I contacted TD bank I was told that the mortgage hs athe outstanding amount of {$26000.00} as the underpayment of the pay off. The pay off was send to TD bank again, and the issues seems again to be closed.

6. now we are back to original issue of the tax paid in teh amount XXXX. 

AS I said me, my lawyer and the title compamy were sending the proof that all amount were paid to TD bank. 

I dont have time or energry to explain again and again to TD bank the issue, its seems that TD bank does not have qualifued personal. 
Please see attached the documnets as a proof. Its a third complain about teh same issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just filed a complaint with XXXX XXXX they sold this account to Spring Oaks LLC, Waiting for response from Spring Oaks LLC, couldnt reply to the company because they were not in the system for complaints, how are they capable of replying and I just got some mail from them today thats clearly stated this is an ONLINE CASH ADVANCE with a drivers license, 1 check stub, that can easily be done, 2 separate sheets, 1 bank that shows deposit and credits and another bank that shows absolutely nothing. This does not show anything that proves this is mines, this is a reason why I posted documents and why I had to contact XXXX, because I couldnt open up me an account this year XXXX. I will post all these documents and they didnt respond to COMPLAINT ID XXXX Is because they were gathering all this mess to try and prove this is mines, when you submit disputes to the credit bureaus you submit all documents including DL and they submit documents to them, first thing first you continue to report a C/O account monthly and its closed, It was sold to your company from XXXX XXXX and from XX/XX/XXXX it shows INTERNET Cash Advance, no in person conversation to XX/XX/XXXX, if this is a cash advance where did you get all of these different transactions when you dont show the deposits. WHO account are you looking, you sent me 2 different banks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am sorry to ask for help again, I thought I could just live with it, I ca n't after checking my credit this morning. I attached a few items, the first page of my Equifax for my name reference, the pages XXXX thru XXXX referencing a XXXX account Equifax reported XXXX/XXXX/XXXX. Date of first delinquency XX/XX/XXXX. Lastly, I attached XXXX 's XXXX XXXX report reflecting the same XXXX account reflecting date of last payment XXXX XXXX. Ladies and gentlemen I can assure you no payments were after XX/XX/XXXX due to a job loss. What is more insulting to me and the CFPB is the XXXX response to the CFPB indicating their " actual '' investigation in XX/XX/XXXX was to delete the account. Line XXXX of the CFPB response attached & copy of the XXXX deletion. Equifax , just waits a few days and responds, they do n't actually call anyone. XXXX no longer had the records and could n't tell me either what the exact last date was so I know for a fact Equifax did n't check. The XXXX reporting on Equifax- same thing over 7.5 years since last payment, deleted after XXXX actually did the legwork

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: ENCORE CAPITAL GROUP 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:
Last month I sent Midland a validation request, to either substantiate a questionable account they had reported to my credit report or delete the account from the credit report. 
They have failed to do neither, thereby violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I applied an American Express Platinum Credit card, during the promotion of XXXX for {$3000.00} purchase in 3 months. I spent more than XXXX and got the XXXX, However, I found AMX took it aways on XXXX/XXXX/2016 and nobody can help me. The customer service gave me a XXXX number but again nobody knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. 

During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. 

I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. 

On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. 

On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. 

On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. 

It has been over 60 days since my first complaint was filed. 

The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. 

I am having a lot of trouble resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I understand some pretender lender loan servicers use cozy relationships with employees and cozy relationships with shady lawyers to help with embezzlement cover-up's.. The big question under oath will be, are some opposing counsels committing fraud upon the court claiming to have personal knowledge and have looked at all the manufactured documents to assist troubled pretender lender loan servicer 's with financial crimes. We all know the laws allow plaintiffs the right to have a fair jury trial to prove cases with evidence. The big question that continues to go unanswered, is opposing counsel spinning the laws to attempt to take away plaintiffs rights to have color copies of all the so-called original loan documents that have been so called notarized? One would think a honest lawyer would provide the plaintiff with documents that the plaintiff is entitled to without response threats. One wonders who all the parties really are who are out to desperately embezzle my property. We all know many lawyers have been disbarred and jailed for financial crimes. We all know the FBI investigates and jails criminals for financial crimes. When is opposing counsel going respond to my consumer complaint without spins and provide me with color copies of all the so-called original loan documents that have been so-called notarized that I am entitled to. The other question that continues to go unanswered all of these years is, when is opposing counsel going to allow my FBI forensic expert access to the so-called original documents, including the so-called original note and the original void assignment that was signed off by XXXX and XXXX employee just days before the pretender lender counsel filed its bogus lawsuit to pretend to be a party of interest then committing fraud upon the court? I look forward unwinding all the injustice with evidence. I look forward to the CFPB enforcement findings. I look forward to a jury trial. I look forward providing the California State Bar enforcement division with evidence after I am awarded damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Lending Club Corp
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
the interest rate they charge me is so high and it 's impossible to lower it. I was told that after one year of making on time payments they would lower it but now after one year, they told me I do n't quality.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent me to a third party collections agency when I already paid the debt in full. Not only that, but they failed to send me any letters regarding this OR to call me, even though both my cell and work numbers remained the same. To make matters worse, the original bill was nearly {$7000.00} and I busted my rear to pay all but {$280.00} of that, leaving this small amount to be paid on XXXX/XXXX/16, and they sent me to a third party collections agency for that AFTER I PAID THE BILL! I have requested someone in their billing department supervisory team to call me regarding this error, but I do not anticipate that they will do so, nor do I anticipate that they will learn a lesson until a formal complaint is lodged against them. This is at least the second time I have had a problem with XXXX XXXX 's billing department, and I can not imagine how many others have had similar problems but do not know where to turn to lodge a formal complaint that may change things for the better for all patients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I originated a loan with XXXX in XX/XX/XXXX. The loan was paid in XX/XX/XXXX with a HELOC that was also originated with XXXX. I have found out that the lien was never removed. I contacted PHH Mortgages ( XXXX XXXX XXXX ) on XX/XX/XXXX and was email my request along with a copy of the title search. I was told that XXXX the supervisor was going to " rush '' my request. I have not been able to contact XXXX XXXX and my request has not been rushed. I called today and was told that XXXX is not a supervisor. I was also told to resend the information. This is the information that XXXX confirmed she had received. This is holding up a XX/XX/XXXX closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
If you will see in the attached files, Equifax still shows my name - " defendant-XXXX ''. Court has corrected the judgement that reflects my name, XXXX XXXX, due to erroneous legal basis. Judge XXXX XXXX of XXXX XXXX XXXX has ordered my name to be deleted from the judgement. We explained this to Equifax and forwarded the documents to them several times but they have not cleared my name. We had our lawyer contact them to fix this error, until now they have not fixed this error.

Company response to consumer: Closed with non-monetary relief