BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX, property taxes were not paid properly on the property resulting in delinquent property taxes. Once taxes were paid in XX/XX/XXXX, and escrow analysis showed that the account was - {$7000.00} short for the future year. An escrow adjustment was made to catch up in XXXX. 

Moving forward, we were told to manually upload a property tax bill annually to ensure proper payment. 

Electronic Tax Bill Submission XXXX ( Can not pinpoint exact date ) XXXX Phone Call XXXX @ XXXX. Spoke with agent about property taxes. Confirmed that property tax bill was received on XX/XX/XXXX in the amount of {$4900.00}. Confirmed that the amount was correct and that the tax would be paid before EOY. Agent suggested calling back on XX/XX/XXXX to confirm. 
XXXX @ XXXX. Spoke with agent about property taxes. She stated that while Lakeview has the bill it had not been escalated to be researched and would likely not get paid before EOY. I inquired about paying them myself to ensure payment. They said they would notate the account to not pay the taxes as we would do it and submit a receipt through the portal. 
XXXX @ XXXX spoke with agent and voiced our frustration with the management of our escrow account. She stated that it would be escalated and researched. I requested a hold on any escrow analysis until the property tax refund had been received. Will call back again on XX/XX/XXXX to get a status. 
XXXX received a notice that property taxes were paid for a second time by XXXX in the amount of {$4800.00}. This is the second consecutive payment ( XXXX ). Upon inquiry we were told that the incorrect parcel was paid the amount of {$6400.00} so they paid the correct amount {$4800.00} to the correct parcel. The problem with this is that we submitted a fully paid receipt in XXXX which they acknowledged receipt of. Our escrow account has not been depleted to zero and we have been told that we need to wait for the county to refund payments. This is not an acceptable resolution as we did not make the mistake the service did. 
XXXX - Research and escalation team contacted me regarding a status update and we have been told that they are still awaiting refund from the county. Again this is not an accepted resolution. Our account needs to be credited {$11000.00}, followed immediately by a refund to myself of {$4800.00} for property taxes paid directly by me. 


Actions XXXX @ XXXX property taxes were paid by homeowners. Receipt uploaded around XXXX to the portal.

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 2024-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type.

Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: FC HoldCo LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was leaked in an XXXX data breach which was confirmed by XXXX XXXX XXXX I have disputed this account several times requesting validation of account which the creditor refuses to provide proper documentation. The account is incorrectly being reported as a charge off account with a balance due which is a FCRA violation! The XXXX data breach confirmarion numver is : XXXX and the FTC report XXXX 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 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered XXXX XXXX hoodies and XXXX boots from dillards. The XXXX  boots came and were delivered along with the photo from XXXX. The hoodies were shipped seperately and they were misdelivered-along with XXXX  photo showing a different background and wrong address. I called SEVERAL times with a few case numbers given but they would not remove the charges even though all proof and documentation was sent to XXXX. XXXX even said for dillards to file a claim do they would get reimbursed and XXXX REFUSED.

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 2024-01-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a vacuum cleaner through XXXX XXXX who uses Synchrony bank for credit with six months no interest in XX/XX/2023. I schedule regular payments on the credit card through the website, the due date established was the XXXX of the month, the payments started XX/XX/2023, in XXXX the bank moved my due date but not the payment date, they have been assessing me late charges since. I just got a call today to let me know the account is delinquent when it should have been paid off this month. They are charging me an additional {$220.00}, these is all late fees and interest. 
They have opened a complaint - No 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 monetary relief
Consumer complaint received 2024-01-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I had got a vehicle in out town Delaware, which the dealer was credit acceptance. I have purchased a vehicle in XX/XX/XXXX your contract was a little sketchy. They miss use my down payment by putting {$18000.00} that I put down for down payment knowing that I did not have XXXX I put down XXXX because of my credit score was XXXX at the time, when I XXXX XXXX to my second child, they came and repossessed my car because I was behind XXXXne month I stated to credit acceptance that was unlegally to repo someone car for a month! I wind up giving them XXXX to get my car. I had to go to XXXX New Jersey to pick my car up, They said I would have to keep up with the payments which the monthly payments with {$470.00} every month due to hard times, I had lose my job but continuing making payments here an there so they wont repossess my car again. They had my old address on the old contract which it was in XXXX New Jersey someway they wind up finding out about my new address which I never told them about the new address that I was at but still was making payments here and there yesterday they came while I was at work and repossessed the car without no email stating that my car was getting repossessed, I called the company. The company told me if I come up with {$700.00} that they will release the vehicle that I owe XXXX. I spoke to the company of last year that they agreement with me was to pay XXXX every XXXX week. My last XXXX payments of this year was in XX/XX/XXXX. This company has me in a fraudulent contract and was charge me with a high XXXX 18 % which the state of New Jersey doesnt have that high rate. They are being sued by the New York attorney for the fraudulent contacts they are putting their clients in.

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 2024-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This complaint is against USAA re : an RV Loan. I made auto bill pay pmts [ {$270.00} - XXXX, XXXX & XX/XX/2023 ] through XXXX Bank, pmts were cashed by USAA, then pmts were re-deposited back into my acct. I was not contacted to let me know of any problem and was not aware of this until end of XX/XX/2023. Also, on XX/XX/2023, I made a telephone transfer of {$1000.00} to my checking acct with USAA, but they applied it to the principal of the loan. I repeatedly tried to call them, but they wouldn't take my calls, because they would try to send me a " secure '' number thru my text, but I repeatedly told them I couldn't receive texts while talking on the phone [ I have a flip phone ]. I am talking about XXXX calls from XXXX thru XX/XX/2023. Now they have started a repossession procedure. XX/XX/2023, I made a pmt. XX/XX/2023 I spoke to a woman who said she would listen to the phone call I made saying how I wanted the {$1000.00} applied and she would send the pmt situation to their legal dept. That was over a month ago and I have received no word as to what is happening. I have not made the XXXX nor the XXXX pmt because I don ; t know what is happening to me and I do not know when I will be homeless. The XXXX pmts are in my savings acct in case I need to catch up, that is if they will allow the # XXXX to go into my checking acct whereby I will be able to make up the back pmts. I want all penalties and extra taken off also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 did not consent, benefit or authorize from any of the following : BANK OF AMERICA XXXX {$4600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX {$5300.00}

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 2024-02-08
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked this company to stop calling the first time I answered their call, I had to argue with a man who basically told me I dont pay my bills. Come to find out he didnt remove my number like I asked so I received a call onXX/XX/XXXX & XX/XX/XXXXXX/XX/year>

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 2024-01-24
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/year>, I completed a legitimate transaction and received payment in the amount of XXXX XXXX, but the following day, Wise disabled my account and prevented me from accessing my funds. I was directed to make an appeal when I contacted customer care. I did and provided my identity details, but after providing all the necessary information, they replied that my account would remain closed and I would not be getting a refund.

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 2024-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting a copy ( dated ) of every communication that was sent via mail and email to me on the alleged debt. 

I would like verify the validity of the this debt, any corresponding charges and ledger on this account. I would also like a copy of ALL documents related to the signed contract for this debt and any contract between the collector and the company who performed the repossession. These documents will need to be dated with the address to which they were sent. 

This company has provided me nothing, filed lawsuit and pursed garnishment without providing me the opportunity to validate any of 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 2024-01-18
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have power of attorney over my mom 's accounts and whenever I show this power of attorney to Wells Fargo they do not respect it and make me set up an appointment to come in and get added to the account my mom has XXXX and she routinely closes accounts and sets up new accounts so they make me come in and do this every time she sets up a new account and power of attorney gives me full access to her accounts I should not have to go through this process every single time she sets up a new account I should be able to walk in and show them my documentation and get access to her bank statements this is very important because she is on XXXX and I need this information to renew her XXXX so that she does not get kicked out of her assisted living facility

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 2024-01-30
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX son was in a car accident on XX/XX/2023 He was admitted to XXXX XXXX XXXX and stayed for 76 days. The first {$10000.00} of the bills were covered by my insurance ( XXXX ), and I have received a letter of XXXX XXXX XXXX from them. The driver who rear ended my son -- XXXX XXXX XXXX XXXX -- -had no XXXX protection coverage. I have XXXX  XXXX ( XXXX ) health insurance coverage from my job as a XXXX. I have a {$6000.00} out-of-pocket maximum for the year, but in XXXX, I paid over {$12000.00} in copays. XXXX XXXX, a XXXX group with XXXX XXXX, billed my car insurance and then my medical coverage, but the claim was denied. They sent the bill to collections with Preferred CMS, who refused to stop calling. I contacted XXXX XXXX, who said they needed conformation that the claim was being reprocessed. On XX/XX/20, I spoke with a representative from XXXX, conformation code XXXX, who reprocessed the claim and said give it a week. XXXX XXXX has assured me that collection efforts would stop if the claim was reprocessed, but onXX/XX/224, I received another call. When I returned it, I spoke with a " XXXX XXXX '' who insisted that I needed to make payment arrangements. She would not let me speak and explain my case, so I emailed them and requested that they no longer contact me about this debt that I do not owe. I provided them with a phone number to XXXX and a representative 's name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Citi on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> I deposited a check for {$1600.00}. 

The check was cleared and my new account balance was {$1600.00}. I never withdraw any money from the account while it was open. 

On XX/XX/year> I received a letter from Citi stating that my account had been closed and no reason was provided. Also, in that notice they advised that my account/funds were frozen. 

I have been calling them multiple times to get the balance on the account but their Fraud department is now handling the request.

They argue that since the check deposited was issued from a Business, the business representative needs to call them to verify the check. The check issuer has called them more than 10 times and has verified the check. 

Today, Citi told me the check issuer needed to contact her bank, XXXX, to file for a Hold harmless claim. The check issuer talked to 6 different agents at XXXX and got the same answer from all of them : that XXXX can not file a Hold Harmless claimsince the check was already deposited and cleared in my Citi account. 

Its been more than 40 days since they closed my account and I have not received the refund for the balance on the account.

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 2024-01-29
Company: Mortgage Research Center, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inquiry on XX/XX/XXXX by XXXXVeterans United Home - was looking into buying house with my boyfriend, but we are not married so the loan was only put under his name when we found a house. I am unsure why they needed my credit score when the VA was aware that we were not married. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 

We have been looking into buying a house and started looking in XX/XX/XXXX, my boyfriend purchase the house in XXXX but I am not on the loan. I would like these inquiries disputed from my credit report as it is effecting myself from being able to apply for a credit card.

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