BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted Specialized Loan Servicing ( SLS ), my home equity servicing company to request a loan payoff. I was emailed the payoff which had a payoff date of XX/XX/XXXX. On XX/XX/XXXX I wired the amount requested on the payoff as instructed in the letter and was under the impression that my loan was satisfied and paid in full. On or about XX/XX/XXXX, I received a call from SLS, stating that the payoff amount was incorrect and they need an additional {$4000.00} for attorney fees that I was not aware of. I told the representative that I would need to speak with my attorney and if they could provide me with an invoice showing what the additional charges were for. I requested to speak to a supervisor and was told that one would give me a call back in 24 to 48 hours.  I did receive a call from the supervisor and was told the same thing about the attorney fees. I explained to him that it is not my fault that they ( SLS ) issued the incorrect payoff letter and now I was being penalized for their error. Needless to say, with the holidays and I could not afford the additional {$4000.00} and notice that on XX/XX/XXXX a deposit was made into my bank account for the amount I originally wired on XX/XX/XXXX. When I called SLS to complain again on XX/XX/XXXX they were no help and gave me the attorney 's contact information to get an invoice. I spent over 2 hours on the phone with no resolutions. I told that a new payoff letter was mailed to me on XX/XX/XXXX with a payoff date of XX/XX/XXXX, which is impossible considering that it takes more than 2 days for delivery of mail. I finally tried to get a new payoff letter from them and was told that they can not email payoff letters, which they did on XX/XX/XXXX and I would have to wait for the mail. As of today and almost 2 weeks, I still have not received the payoff. I reviewed a statement that they sent me and it shows that for the entire month of XX/XX/XXXX they charged me interest against the loan even though they received my wire on XXXX and kept it until XX/XX/XXXX, causing me to loss interest while they charged me interest against the loan. This is completely unacceptable that they can charge me interest wile holding my funds for 11 days with me losing interest. I spoke to representative on XX/XX/XXXX and she was of no assistance informing that they never applied the funds to my loan so they can go ahead and charge me interest since the funds were never applied.

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 2020-02-24
Company: American Credit Acceptance, LLC
State: TX
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:
This contract is void .... Car not sold as priced on website or as discussed deal was under 10000, XXXX was the price discussed. Protection plan added to life of the loan over a term of 72 months, finance charges totaling to be XXXX witch was not agreed to. Please remove all Protection plan cost and request re-write of loan agreement to price listed on webpage as of the date of purchase. The term of loan on contract is 72 months, on the billing statement it says 73 months. Please remove all extra charges and protection plan, re-write the loan at purchase price and term agreed and if possible maybe even 60. I was thinking the amount I saw included interest and fees until i got the bill in the mail. Thank you. XX/XX/2020 .... ( lender ) American Credit Acceptance ( Dealership ) XXXX XXXX, XXXX XXXX XXXX, TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I 'd like to use my TD Bank account with 3rd party services. I 've tried using 2 different accounts and 2 different routing numbers. Unfortunately, their support says that all they see on their end is the time I tried using the wrong routing number and does not offer any helpful information as to why nothing else works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Per complaint # XXXX, Amerihome Mortgage Company accepted responsibility to negligence on our account, and agreed to refund every month of overpayment on our account. 

The complaint was closed a month ago, and our account has not been reassessed for a corrected future payment. Our payment is the same as if we were still overdrawn in escrow ( they have refunded the incorrectly collected escrow fees ... but no change in our payment? ) We have not received a refund for overpayment. Our account has not been reassessed for future payments. I do not believe that Amerihome plans to correct this issue, as promised. I believe that they plan to ignore the decision agreed upon in the closed complaint referenced above.

Additionally, Amerihome has now tacked on a phantom charge onto my account. When accessed through an online portal, we are shown to owe no late fees, and to be current. The physically mailed bill contains a {$120.00} " fee '' that is now considered late ( please see attached photos ). Customer service agents are unable to explain the discrepancy, or where the fee came from/when it was applied. I am worried this will hit my credit, as it is not listed on my online bill ( how my monthly bill is auto-paid ) and therefore is considered " late '' on one bill but not another? The fee does no exist across all of their platforms, and is impossible to tell if it is legitimate. 

This company is acting in extreme bad faith to their consumers. 

I have : *A : not been paid back the amount that the overcharged me, as promised. 
*B : Not had my bill reassessed to reflect the correct amount I should be paying. 
*C : Now been charged on one billing mechanism ( but not another )? for a random fee that no one can explain to me. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: JPMORGAN CHASE & CO.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I closed my account in 2011 why is it still reporting to all three bureaus. This company refuses to remove the reporting of this old account. Why do they have the right to hold an old account such as this still reporting?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have XXXX  XXXX XXXX accounts in my experian credit report witch has lot of incorrect information in there such as addresses, phone numbers and employers name. 
I have written letter to credit bureau since XX/XX/2019, to have this information corrected or removed, but 4 times they send me letter that everything is accurate. 
Also I send same letter to XXXX  XXXX XXXX account cervices exact same day XX/XX/XXXX and until today I don't get respond from them. 
I think they just don't really want to help me to protect my right, and I know your company have been made to protect consumers rights. 
Thank you I hope you guys can help me to get out of this dirt

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 2020-05-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Ars Resolution in XX/XX/XXXX by sending a debt validation letter requesting information on a collection account from XXXX on XX/XX/XXXX for {$220.00}. 
I also requested that if they couldn't verify the debt in thirty days to notify XXXX  for removal for inaccurate reporting. 
As of XX/XX/XXXX I have not received any correspondence from the company.

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 2018-01-21
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXX with the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My work is such that I get a paper paycheck as I am a XXXX  XXXX who works under contracted agency. Thus I get paychecks for different customers. My paycheck a month ago was held for over a week! I was not told or informed at all, that my paycheck would be held that long. I have bills to pay and can not afford to consistently have all my paychecks held al least a week! 

Friday the XXXX of XXXX, my first paycheck with my employer was held for over a week before my own hard earning money was released to me! 

It happened to me again! I was paid on Friday XX/XX/XXXX, and put my check into my account. I called the bank to make certain this would not happened again and the representative with whom I spoke, assured me that my funds would be available the next morning. When I woke the next morning I immediately checked my available balance to only find yet again, a long hold put on my paycheck again! 

My account is overdrawn again with {$35.00} fee attached to each transaction. I simply can not go on having my paychecks held over and over for at least a week, and not being told. I can not live that way, as I am certain no one else can as well! It's simply greedy of TD Bank to do that in order to gain interest on my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid off my XXXX XXXX bill {$92.00} and the service was disconnected on XX/XX/XXXX which was my last day at the apartment where the charges were billed to. On XX/XX/XXXX I received my last bill which shows no forward balances and no further owed amounts on the account. I attached my bank statement which shows consecutive payments to XXXX   XXXX Less than a year later in XX/XX/XXXX I found a charge off from XXXX  XXXX for {$410.00}. Since then, I have attempted to settle the dispute directly with XXXX XXXX and was unsuccessful, I then contacted the collection agency directly, however they could not provide back up which proved that the {$410.00} charge sent to them from XXXX  XXXX was a valid charge. I have made numerous calls, explaining the situation and have provided back up to prove what I have stated in emails but my emails are never answered and the issue has yet to be resolved. I will be in the process of purchasing a house soon and this charge is seriously impacting my and my husbands credit.

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 2020-02-24
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this debt as the dates that they claim this was incurred, I was out of the country. My accounts and credit report were part of the XXXX/XXXX   data breech and as a result I have had to resolve these issues on my report. However, this company has been particularly abusive and bullying in their tactics. They sent one letter on XX/XX/XXXX and then tried to serve papers on me inXX/XX/XXXX- for a debt that I am not responsible for nor, have ever heard of this company before. I have filed reports with 2 credit reporting agencies, so by law they need to stop harassing me, however, they have not. I am still trying to access XXXX  to dispute the reporting with them, however, due to the data breach, and misinformation on my accounts, I can not even access those records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: MI
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 contacted Equifax today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 9 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified Equifax of this. I asked Equifax to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Equifax is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
ANOTHER COMPLAINT AGAINST XXXX Serviced by Nationstar Mortgage LLC., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , TX XXXX, Mortgage Loan # XXXX : ESCROW ANALYSIS DATED XX/XX/XXXX IS IN ERROR THE ESCROW SHOWS ANTICIPATED ANNUAL DISBURSEMENT OF THE CONDO HOMEOWNERS INSURANCE, AMERICAN STRATEGIC INSURANCE POLICY TO BE PAID ON XX/XX/XXXX, IN THE AMOUNT OF {$400.00}. Attached is copy of next installment. 

According to the Condominium Rider as attached See Section B as lender waives the provision in Section 3 and Section 5 of the attached MORTGAGE documents as to maintain property insurance coverage is deemed satisfied to the extent that the required coverage is provided by the owners association policy. 

I submitted last XXXX of the owners association policy and not submitting the renewal of the owners association policy for XXXX. 

It was the error upon Nationstar Mortgage LLC, to incorrectly perform the Escrow Analysis that  was dated XX/XX/XXXX as I provided them the owners association policy for XXXX and now submitting for XXXX. 

I am demanding that based on Nationstar Mortgage LLC, error to correct the ESCROW ANALYSIS, DATED XX/XX/XXXX, as my own personal contents policy is not required under Condominium Rider as attached See Section B as lender waives the provision in Section 3 and Section 5 of the attached MORTGAGE documents as to maintain property insurance coverage is deemed satisfied to the extent that the required coverage is provided by the owners association policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this debt as the dates that they claim this was incurred, I was out of the country. My accounts and credit report were part of the XXXX/XXXX  data breech and as a result I have had to resolve these issues on my report. However, this company has been particularly abusive and bullying in their tactics. They sent one letter on XX/XX/XXXX and then tried to serve papers on me in XX/XX/XXXX- for a debt that I am not responsible for nor, have ever heard of this company before. I have filed reports with 2 credit reporting agencies, so by law they need to stop harassing me, however, they have not. I am still trying to access XXXX  to dispute the reporting with them, however, due to the data breach, and misinformation on my accounts, I can not even access those records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: MAS FINANCIAL SERVICES, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
MAS Financial stated over XXXX was charged off and our balance was a little over XXXX. Now theyre reporting that we owe over XXXX. This company is FRAUD and they keep adding unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX, EXPERIAN AND XXXX HAS INACCURATE INFORMATION ON MY CREDIT REPORT.

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 2020-02-24
Company: EQUIFAX, INC.
State: VA
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:
EQUIFAX, XXXX  AND XXXX  HAS INACCURATE INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim for an ATM withdrawal on XX/XX/2020, in the amount of {$700.00}. I attempted to withdraw {$800.00}, including the ATM fee of {$3.00} on XX/XX/XXXX, however, I only received {$100.00} from the XXXX XXXX  ATM. Therefore, I proceeded to file a claim for {$700.00}. I received a provisional credit on XX/XX/XXXX while the claim was being investigated. I then received a letter in the mail on XX/XX/XXXX regarding my claim update : it was denied. I was provided with a very poorly printed document that was comprised of multiple transactions from the ATM ( maybe a transcript, not sure ). The letter said that the bank relied on that sole document to come to a conclusion regarding my claim. I can barely make out what the thing says because of how discolored and dismal the document looks. But I can see where my transaction of {$800.00} was supposedly dispensed on XX/XX/2020. Inaccurate. The transcript just says what the ATM was supposed to give me, but that wasn't what happened. I appreciate the time and effort Bank Of America put into this claim, but it isn't just. The camera in the bank will prove my rendition of what happened. I have a full-time job, thus I don't have time to lie about an ATM error. Machines make errors, like theirs did. Sorry, that isn't sufficient enough to deny my claim.

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 2019-05-16
Company: CITIBANK, N.A.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This at & t account is very very old. Tried to apply for TV and phones. Was denied. I didnt even know about this collection.

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 2018-01-23
Company: PMR Progressive, LLC
State: CA
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 absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with PMR Progressive which is from XXXX XXXX XXXX? I have only ever had service through DWP ( dep. water and power ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.

Company response to consumer: Untimely response