BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I was notified that a collection account under the name of Diversified Consultants was placed on my credit report. I contacted the company and confirmed that the collection was for a XXXX account opened under my SSN in XXXX that went delinquent in XXXX. My biological father has, in the past, used my SSN to open fraudulent accounts and was XXXX  by the state of NC a few years ago, XXXX XXXX XXXX  XXXX  for his crimes. I was advised by my credit monitoring agency to dispute the claim with both XXXX - the CRA that the collection appeared on - and with XXXX directly. TransUnion concluded their investigation and removed the account from my report. I was further advised to file a police report and an Identity Theft Report with the FTC, which I did. Unfortunately, XXXX refused to do so stating that my fraud claim was denied due to - " Information on the account ties to a relative in a public records search or the documents you provided. '' This seems unacceptable that I would be denied a fraud claim simply because the individual who committed the fraud is a relative of mine, with whom I have had no relationship with in well over two decades.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage is misleading me and the Consumer Financial Protection Bureau website when they pretend to present the truth. 
They use deceiving practices and excuses themselves to say that they have allowed the Consumer ( me ) 45 days before they purchased insurance. 
The evidence attached here ( issued by United Wholesale Mortgage ) CLEARLY shows that they purchased insurance ( XXXX XXXX XXXX  ) BEFORE they even NOTIFIED ME. 
The day they purchased insurance is : XX/XX/2022. 
The day they pretend they notified me to purchase insurance is : Notice XX/XX/2022. ( 12 days AFTER THEY PURCHASED INSURANCE ). 
Please STOP LIEING! Please STOP abusing me and my ACCOUNT.! 
The Forced Placed Insurance cost was a : {$6400.00}. The regular insurance cost is {$1100.00}. Do the math please! These facts CLEARLY shows they wanted to abuse my account and me. 
Dear Consumer Financial Protection Bureau, are you planning protecting us, the consumers? 
For how long should you tolerate this abusive practice against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: FL
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 continually reporting the account XXXX XXXX XXXX XXXX XXXX on my credit report as an accurate verified account. This is a fraudulent account, which Experian has received able legal documented documentation that this is a Fraudulent account and has relied on XXXX XXXX XXXX XXXX XXXX to verify its accuracy. Experian is also aware and has been put on formal notice in writing as well that legally when requested a creditor must disclose and provide a copy of application document with signature used to open the disputed account, or they must remove debt from affected party 's name and information, also their credit report. None of which has occurred. It's the law under the Fair Credit Reporting Act, and I'm asking that Experian at least adhere to the law. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2015 I deposited a check in my account and my account was closed after that. 
the funds were put into suspension. I have no access to my account. I want the check to be returned to the issuer of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
TD Bank provides varying information between the contact center and branch regarding closing an account. 
1. Contact center states account closed within 3 business days, after request is sent to the back office for processing but the branch can close account sooner.

2. Branch states account can not be closed sooner due to varies/conflicting information ( i.e. pending account activity ) Branch Manager XXXX XXXX ( TD Bank, XXXX XXXX XXXX, XXXX, MA ) was abrupt and defensive when questioned about inconsistencies in procedures for closing the account. See attached letter for details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This appears to be a XXXX XXXX credit card account. I have reported to Equifax that is account has been reporting inaccuracies for years and the issue was never taken care of. This account is reporting a positive and current payment history, but it states the date of last activity and last payment was made in XX/XX/XXXX. It is also reporting as a collection/charge off, but has been reporting a positive payment history until XX/XX/XXXX. It is also reporting a high balance, but does not have a credit limit which can not be possible. 

How can this continue when it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Account Discovery Systems, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A message was left on my grandmother 's voicemail asking me to call today. No information was given over the voicemail about what debt it was rather the caller, XXXX XXXX, stated that a creditor wanted to receive information about my income and assets and wanted to contact me first before she calls my employer. 

I received a text from a relative the next day ( third party ) stating XXXX said to contact her TODAY or else she would be calling my employer. Contacting a third party regarding a debt and making threats is unethical for I don't speak to this relative but twice a year. 

I can send both voicemail recordings to you if you would like to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Home Point Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made my Mortgage Payment timely to Home Point Financial Corporation. It is the legal responsibility for Home Point Financial to pay the property tax and insurance from my escrow account in a timely manner. I received a tax bill from the City of XXXX showing a late fee due to Home Point Financial had failed to pay the taxes. I have sent Home Point Financial a Certified letter making them aware of the delinquent taxes. I have also sent a copy of this letter to the City of XXXX regarding the non payment of the taxes. I will upload a copy of the letter, the tax bill, and evidenced to show that my mortgage payments have been timely. I will also include The Certified Mail Receipts. I appreciate your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I was having an issue with something reporting on my credit file from a Credit Union it was finally resolved directly with the Credit Union and they indicated they would send the updated information to the bureaus. Equifax however indicates that there is a 90 day freeze on my credit file but I did not repeat did not request a Freeze, now my information can not be updated properly nor if I wanted to apply for something I can not even do that. The most important thing is they need to unfreeze my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Reporting act XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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 2018-10-29
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage. This is a follow up to complaint # XXXX. I will be submitting a letter I received today with the following. After CFPB contacted Amerihome they finally agreed that I did possess a 100 % tax exemption for my property located at XXXX XXXX XXXX, XXXX SC. , XXXX because I am a XXXX % service connected XXXX veteran. The letter states an escrow analysis was completed and I would be receiving a check from escrow overage in the amount of {$3100.00}. I saw the check in my Amerihome online account made out on XX/XX/2018. I called them today as I had not received the check. I spoke to two employees that had no idea what they were talking about, one of  them going so far as to that I would only receive about {$2000.00} because I owed back HOA fees, ridiculous because my HOA fees have never been escrowed are are paid monthly through a XXXX bank credit card. The supervisor, XXXX, who refused to provide his last name or employee ID said the {$3100.00} had been deposited back into my escrow account and a separate analysis said the refund was less over a {$1000.00} because I had to keep a padding in my escrow account of 2-3 months. My insurance is {$27.00} per months and even after the {$3100.00} check is cut there is still a couple hundred in escrow for insurance. Again, this company is taking advantage of XXXX American veterans and more than likely anyone that does business with them. Please, I am asking you to take action against these crooks, their entire staff is incompetent and knowledge of their product and the laws about servicing them is nile. These people are crooks and a federal investigation of their practices should immediately be launched. I finally spoke to XXXX XXXX who signed the scanned letter and she also was unable to provide an explanation. Unbelievable a company sends a letter of resolve and then changes their mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Union Home Mortgage Corp
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I went inside the branch to make my mortgage payment using a bank cashier check.

Long story short, as of XX/XX/XXXX ... XXXX XXXX XXXX dont see a payment. Called multiple time and I keep getting different answers. A few Agents said they see XX/XX/XXXX payment it will post soon and a few of other agents says they dont see the payment or havent received it.

XX/XX/XXXX I received a late fee charge but it was credited back because Im safe for 60 days.

2 months in with this dumb company and still cant get it resolved. Worst customer service and worst customer experience.

So the XX/XX/XXXX payment is no where to be found. I still have a copy of my XX/XX/XXXX Payment Cashier check. Processed my payment for XX/XX/XXXX ( which was posted for XX/XX/XXXX ).

Before XXXX XXXX XXXX, there was XXXX  before they merged/bought out. It says it will take XXXX XXXX XXXX up to 45 days to catch on to XXXX  system which ... the days have passed.

Need to get their XXXX  straight.

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 2018-07-20
Company: EQUIFAX, INC.
State: TX
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 had medical bills that were originally disputed to the provider and as a result they turned them over to collection. I was notified by the " collection agencies '' of the accounts and promptly disputed within the FCRA guidelines. I was notified that these accounts, shortly thereafter were reporting on my credit reports at the three ( 3 ) credit bureaus.I explained in my disputes that they were reported due to unauthorized services during a hospital stay and services that were bordering on malpractice i explained that I had discussed this already with the providers directly. .Additionally noted that the " collection agencies '' did not comply within FCRA guidelines and respond to my disputes but merely put the accounts on my credit reports within days of their letters.

XXXX and Experian both removed the accounts from my reports. 
XXXX refuses to do so and after several disputes filed and phone calls they say that I should of contacted them and not the " collection agencies :. This makes absolutely no sense as how can I dispute something that is not on my report, makes NO SENSE. 
They continue to refuse to listen to reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Over the past year and a half, I have been made numerous attempts to Bank of America requesting them to stop making automatic debit payments from my  checking account to my credit cards, which I was paying already every month. 

After numerous futile attempts to get them to stop, I filed a fraudulent payments complaint at Bank of America, who then closed both of my credit card accounts without any communication or contact with me, using an excuse that my limits were too high, in spite of my never making a late payment. 

The account numbers in question are a Platinum Plus XXXX/last four digits-XXXX Visa Signature/last four digits-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 2022-11-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EQUIFAX CREDIT FILE : XX/XX/2022 Confirmation # XXXX ACTIONS THAT WAS TAKE. BY THE COMPANY XXXX XXXX ILLEGALLY OBTAINED MY INFORMATION AND IS NOT REGISTERED IN THE STATE IF NEW JERSEY TO DO SUCH, WAS DISPUTED AND NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello. Transworld System Inc ( TSI ) has reported collection on my account several times to the 3 credit bureaus. I submitted a copy of the police report I filed to show I was a victim of ID theft, and I also submitted my utility bills ( as requested by TSI ) to show proof that I've only lived in XXXX XXXX, whereas the utility bills that are in collection are for someone who lived in Texas. I sent one correspondence on XX/XX/XXXX, and another correspondence on XX/XX/XXXX. They have not responded to me, and when I call the number that shows up on my credit report ( XXXX ), it says their mailbox is full and can't receive any more messages. I don't know how else to get these guys to stop harassing me with continuously reporting fraudulent accounts to credit agencies. They have been made aware that I was a victim of ID theft in XXXX, but they are constantly harassing me with new claims. How do I get them to back off permanently? 

Thank you so much for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: General Motors Financial Company, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief