BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX XXXX and they have ignored my request. 

They keep placing new, negative, payment activity monthly on an account from XX/XX/2014 that they filed an insurance claim for and sold to a collection agency. 

How does an account that was charged off have new activity on it from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? How does a closed, charged off and sold account have a late payment, past due balance and balance? 

These erroneous error are messing up my monthly payments, balances used and owed and over all utilization. 

Can you please tell them to review this account and stop reporting new, incorrect, illegal and violations to my credit report monthly? 

The should correct the inaccuracies on this account or delete this account immediately, like they were asked to do since XX/XX/XXXX. 

I contacted the credit agencies and my credit file is still inaccurate. 

These error are preventing me from obtaining a mortgage, credit cards and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: DISCOVER BANK
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:
Hello, I'm still having having serious issues with Discover Financial Services, LLC and XXXX  involving errounesly reported on my credit bureau. The item that XXXX  and Discover continue to mark as duragatory was placed on my Bankruptcy schedule as an honest mistake, yet, no one wants to help me with it's removal. In it's letter to my attorney, Discover clearly acknowedges that ( 1 ) There were never late payments, ( 2 ) The balance was paid in full, and ( 3 ) The balance was paid in full XX/XX/XXXX prior to my XX/XX/XXXX bankrutcy filing. Thus it should have never been on the bankruptcy schedule to begin with, just an error on my part that I'm being penalized for. I explained to XXXX  that no one is perfect and it was an honest mistake on my part that it was on the schedule and now it's causing me financial hardship in obtaining a loan on my personal residence. I explained the situation in it's entirety and they promplty removed it from my credit bureau in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Byrider Franchising, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already paid off XXXX and it shows on my profile as a charge off which is hurting my credit scote ... could you please assist me in fixing this problem please

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Consumer My mother XXXX XXXX XXXX and I XXXX XXXX got a loan from XXXX in XXXX CT through Capital One Auto XX/XX/XXXX the loan was in her name and mine XXXX XXXX my mom passed a XX/XX/XXXX and as her Executor of Estate I have been engaging in clearing all financial issues so I called Capital One Auto XX/XX/XXXX and advised them of Mothers death and that they would have to remove her have and I would be solely responsible the intern told me to fax over the death certificate and this would be taken care of by the next billing cycle of the XXXX. I received XXXX bill with no changes done a called them again and again month after month them advising me that it would be taken care of and they didnt understand why its not done and would check in another department and told they would remove my mom from the loan reference on XX/XX/XXXX spoke to XXXX. The next call was on XX/XX/XXXX that there was a note in the system nothing the next time I called in that I would have to call the DMV per the back office the gave me s fax # XXXX per XXXX that the title would have to be changed there and my request is to have my mothers name taken off the loan because I am on the loan as well, I was overwhelmed on that day going back an forth for months and threatened to call the news so then the transferred me to a XXXX XXXX @ XXXX Ext XXXX executive response coordinator she listened and said she would look into this and get back to me in a few days well that did not happen, I called and left her about 25 messages. Capital One sent me a letter on XX/XX/XXXX stating they tried to get in touch with me this is not true I am home everyday. See attached- nothing has been done to resolve my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
To whom it May Concern, I have sent many letters contacted all three major credit bureau, filed a report with the FTC ( Fraud ) to have these fraudulent accounts x 3 removed from credit report. I have explained that I never authorize these accounts.

Please send me a correct signed documentation that I signed to have an account and credit cards in my name with your establishment. I don't recall applying for any credit card or any account with your company.

I am looking at my credit report and I see that I have three accounts that are listed on all three of my credit reports. I am unable to provide the account number due to me not knowing about these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Sterling Credit Corp.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, I received a call from my parents so who stated that they received a voicemail message left from XXXX XXXX of sterling credit corporation a debt collection service XXXX. This company had contacted me previously on my cell phone number and I told them not to contact me by phone anymore and only by mail. When I contacted XXXX, i informed her that I did not appreciate her contacting my parents and telling them that she was calling from a debt collection service and i don't know how they were able to obtain their number as I had never given it out to them and she didn't know, perhaps they found my parent 's number online as it is listed there. I told her that her actions were a direct violation of the fair debt collection practices act and she didn't seem to care much about violating a federal law and I added that I could sue her company for this. XXXX stated that her company could not get in contact with me, but that is a lie as we spoke previously on the phone before and that is when I told her to stop calling me and only send any correspondences to me through the mail as she already has my contact address! This company was hired by XXXX XXXX to collect an outstanding debt my a previous checking account I once had where I was scammed. XXXX only contacted me once when the account was closed and I informed the represenative that I was scammed and he never told me what I should do like file a police report, etc. Instead he was very rude with me and lectured me on being scammed like i wanted it to happen! It has been a year already and I'm only hearing back from the debt collection service now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a telephone call from a collection agency claiming I owed {$5800.00} on a " Care Credit Card. '' I explained I had no such card and questioned what it was and where the charges came from. I was told it was for XXXX XXXX earlier this year at a location in XXXX Florida. I have not been in the state of Florida since XXXX. The collection agency said I should speak to the card issuer, XXXX XXXX. I contacted their fraud department who told me to file a police report and get back to them. I filed a report with my local police department ( XXXX XXXX, NJ ) and sent the report to the Bank 's fraud dept. On XX/XX/XXXX I received a letter from the bank 's fraud dept saying they completed their investigation and instructed the three reporting agencies to remove the fraudulent card from my file and that the process could take up to 6 weeks. In early XXXX I applied for a JC Penney credit card and was denied credit - on inquiring as to the reason, I was told that JC Penney uses XXXX XXXX  and that XXXX XXXX claimed I had a prior unsatisfactory account. I have never at any time had an account at XXXX XXXX. The Synchrony Account # that should have been removed is : : XXXX. When calling Synchrony about this at XXXX they told me their computers did not work and that I would have to call back some other time.

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 2018-06-23
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called three time during the month of XXXX which is recorded by Ditech mortgage company to move money from unused funds over to the actual mortgage payment. After the first call the problem seemed resolved online only to find two days later the solution was reversed online. 

Secondly, i submitted payment online on time for. XX/XX/XXXX payment which was stated as received. I then get a letter from Ditech on XX/XX/XXXX saying that the payment was returned for some reason they did not disclose. The letter stated that if I paid as soon as I got the letter that there would be no late fees. Now there is a late fee on my account dated XX/XX/XXXX online in the amount of {$560.00}. This is a serious issue because of the time of the initial payment I have {$5000.00} in my account ; the only account I have used to pay my mortgage. 

His has happened in the past and was hard to prove that they move money around to create a late payment of {$560.00} when in fact the payment is not late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
HI to whom it might concern, American Express. 

In XXXX I found my credit card didnt work. After I contacted the customer service, I was told that someone reported my credit card is a fraud, ( which is very weird because I followed their protocol to apply for this card and they approved my application ) and my account has been frozen and investigated for a month. In XXXX, a representative in Fraud department then told me the card they were supposed to investigate and suspend is someone else 's card but mine, because that one was applied with SSN. My card doesn't come with SSN, so she guessed probably they made a mistake to cancel my card. Now all my bonus points as long as my account were cancelled. And they refuse to reinitiate my card for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: Rhode Island Housing and Mortgage Finance Corporation
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXXXXXX holds our mortgage. XXXX XXXX XXXX ( XXXX ) services our mortgage. We have never been late on a mortgage payment. Previously, our mortgage was serviced by XXXX XXXXXXXX XXXX. In late XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX, was created to service mortgages for XXXX XXXXXXXX XXXX XXXX. Subsequently, our mortgage was transferred over to XXXX   XXXX XXXX in XX/XX/XXXX. 

We have a mailing address that is different from the address of our home, which we have the mortgage on. XXXX XXXXXXXX XXXX had both our mailing and home addresses and communicated this information along with a property tax bill to XXXX during the transfer. We have supporting documentation and a letter from XXXX XXXXXXXX XXXX regarding this fact. XXXX XXXXXXXX XXXX   never failed to pay our property taxes during their servicing of our mortgage. 

XXXX failed to pay our property taxes for 1 year and 3 months. In XX/XX/XXXX XXXX sent our property tax payment to the town associated with our mailing address. The town returned the payment to XXXX XXXXXXXX XXXX because the payment did not apply to a property in that town. XXXX never attempted to research why the payment was returned. We were never contact my XXXX XXXX XXXX in regards to their in ability to apply the escrow funds we were paying to our property taxes. 

When filing our XXXX tax returns we then realized that our property taxes had not been paid in over a year. In XX/XX/XXXX we contacted XXXX to find out why our property taxes had not been paid. It was then that we realized that they believed that our mailing address was also our home address. We asked that they submit payment to the correct town ASAP and we were told that they would update their records and submit payment. We contacted our town on XX/XX/XXXX to see if payment had been received and it had not. We contacted XXXX again on XX/XX/XXXX to ask them again to pay our property taxes. We were only able to leave a message with their escrow department. We then contact XXXX XXXXXXXX XXXX XXXX ( XXXX ) to ask for their assistance. An associate at XXXX contacted the XXXX escrow department and our property taxes were finally paid on XX/XX/XXXX. At this point they were in arrears by 5 quarterly payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). The late payment of our property taxes resulted in {$200.00} in liens and fees. XXXX paid the liens and fees with money from our escrow account. 

As the servicer of our escrow account they are required by federal law to make our property tax payments. XXXX failed to pay our property taxes for over a year and is liable for any liens and fees incurred due to their negligence. 

We would like the {$200.00} in liens and fees returned to our escrow account. While this may seem like a small amount of money it is significant enough to us and is money that we are unjustly being held liable for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$700.00} XXXX {$700.00}

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 2018-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I contacted Portfolio Recovery Assoc. via mail regarding an incorrect debt that I seen in my credit file. The debt does not belong to me and when asked for the company to validate or delete the account they did not do so. Instead they sent a statement that had no indication that it was a debt I owe. I then sent a second letter to inform the company that the information they sent was not sufficient by law and the company sent a second letter saying the investigation is closed and no further response will be given. The debt that Portfolio Recovery Assoc is claiming is mine is false and I would like this account removed from my credit file please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Booked a vacation but it was canceled do to Covid-19. I tried to get reimbursted for the air fare but was dinied by both the booking company XXXX and my credit card company Capitol one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid by garnishment XX/XX/2018-XX/XX/2018, total amount garnished was {$1900.00}. Original garnishment to XXXX XXXX, resulting from XXXX District Court Case. 
I have received a second notification from XXXX that they are garnishing me further for {$1600.00} under a new XXXX District Court number. I have never received any notification of a second court case, or a secondary judgement relating to this debt. 
The amounts garnished under each order are the same amounts - {$1600.00}. 
I want relief from this action. CFPB needs to stop predatory debt collection and end consumer 's double-jeopardy in settling financial matters. One garnishment was too much for this small matter of an expired debt Calls to this company unsuccessful as neither number published was in service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
I submitted disputes XX/XX/2020 and have YET to receive any indication of an investigation being started. I feel like I'm being toyed with and taken advantage of at this point. According to the FCRA credit reporting companies must investigate items in question within 30 days. It's been over 30 days and still nothing. Please resolve this and delete all inaccurate/unverifiable items from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax fails to update credit account information upon creditor submitting it I currently have s auto loan showing on Equifax report with a $ XXXX balance but it should be only {$370.00} balance account in question is XXXX XXXX XXXX XXXX account number XXXX Also thereby s a bankruptcy filling showing that was previously deleted in 2016 the bankruptcy has reappeared along with several account attached to the bankruptcy filing I wasnt given an notice it would be added back and the bankruptcy count has confirmed they DID NOT report this information to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX continues to call my father about my past due balance. My father has repeatedly told them to stop calling him. They leave threatening voicemails saying they are taking legal action against me.

They have never left me a voicemail on my phone.

On Tuesday, XX/XX/XXXX they again called my father and left a message that he needed to call XXXX. My father called them back and spoke with XXXX. XXXX told my father that I was going to be arrested due to non payment of my bill. She also asked him if he would pay my bill! She gave him all sorts of information about my debt.

When my father called me about this, I called XXXX. I was assured that they would not call my father again. I am XXXX   years old and my father has absolutely nothing to do with my credit cards.

Today, XX/XX/XXXX..my father has once again received a threatening voicemail from XXXX  with XXXX XXXX. My father is recovering from a severe illness. He doesnt need to have bill collectors waking him up when hes trying to rest.

The whole reason why Im behind on my credit card bills is because of my fathers illness. Ive been trying to help my parents out and assuring them that they arent putting me out ... now my father is freaking out that Im behind on my bills because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested that the mortgage company remove my escrow account. According to the terms of my mortgage, once I have more than 50 % equity I do not need to maintain an escrow account. My current balance is under {$14000.00} on a home valued over {$180000.00}. I have repeatedly called and communicated in writing with the mortgage company to cancel my escrow account. I have not had any appropriate communication from the company. When I call, I am told the person can not help me, but that a supervisor will call me back. In the 7 months that I have been complaining to the company, I have not received one call back. The last notice was sent electronically with encryption, and the company failed to provide an encryption password, so I have yet to read a notice almost a week old. 

Currently the company is charging me XXXX per month on escrow. This is more than the XXXX XXXX XXXX payment, and they have not responded to any requests for correction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation