BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5th/3rd bank took over the mortgage to my house from XXXX XXXX 2 years ago. At this time I set up an automated bill payment schedule from my personal account at XXXX XXXX to deliver my mortgage payments monthly to 5th/3rd mortgage payment processing center as instructed by 5th/3rd bank. This has been working as scheduled for years, until XX/XX/XXXX. For this month only, 5th/3rd bank received my payment from XXXX, which they admit ( evidence provided from both XXXX and 5th/3rd ), but instead of processing my mortgage payment, they decided to return it to XXXX and charge me a late fees. 5th/3rd bank did process all subsequent payments from the automated bill payment, but kept charging fees on the returned payment in XXXX. Once the issue was noticed on my side, I immediately went over to 5th/3rd bank to address any amount on the loan in arrears. I asked 5th/3rd to reverse the fees associated with their error, but they conveniently stated that It was my issue and to pay the fees. I supplied evidence from XXXX that they did receive the payment, and then they finally agreed to open an investigation. 
The automated bill schedule has not been changed since it was created in XXXX and 5th/ 3rd bank has been processing my mortgage payments successfully every month before and after XX/XX/XXXX.  Even faced with the evidence that the payment was made on XX/XX/XXXX and erroneously refunded by 5th /3rd on XX/XX/XXXX, they claim that all faults are with me and I am responsible for the fees and the negative feedback on my Credit Rating. I have decided to escalate this issue to the Consumer Financial Protection Bureau. XXXXth /3rd ability to return a payment just to charge a fee is outrageous.  Please see the correspondence and evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just called them to pay my account current it is four payments behind. They refused to accept payments beause they began the foreclosure process. This is my primary residence. I was advised that they needed to get reinstatement figures and would get back to me by Tuesday. 

In addition, they have forced insurance on this loan in violation of 12 CFR 1024.37. I have two other loans in which the violarions are so negligent I hired a lawyer to act on my befalf since those also lead to foreclosure actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase Receivables - Continues to call my place of work, attempting to collect a debt that is not mines and i have no knowledge of. 

I have told them several times to stop calling here - this is a company phone and they are not allowed to call here. 
they continue to call here and ask for me and harrass me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have done no business with these third party debt collectors ive requested proper debt validation in which is still not available and ive also filed reports of identity theft this is in violation of fcra policy due to improper debt validation with signed contracts or some sort of information to prove that i been provided a service from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My hardship started in   XXXX   2015 when my income decrease 50 % on top of that my wife lost her job. My income is getting better but I need assistance to bring my mortgage current, please help me to keep my home. Thank you

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 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : BANK OF AMERICA, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT 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 2018-09-25
Company: ERC
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:
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. I have never received collection calls from this debt collection agency. Later, I was able to get this information updated and even placed a fraud alert on my credit report. I have been in communication with the debt collection agency XXXX  XXXX XXXX ( ERC ) constantly advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. ERC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). ERC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously, and hurt my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account was defrauded out of $ {$950.00} out of a fraudulent company .Golden 1 told me They are. It responsible for the loss since I invertly gave them my account number.

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 2019-07-08
Company: Applied Business Services, Inc.
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:
Ive had a charge off with XXXX Bank credit card thats been on my credit report since XXXX. Problem is, not  only do I not know how this account got on my report, but neither does Applied! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. Ive already disputed this with the credit bureaus several times, but each time this company validated that the information they reported was correct. I asked today l, XX/XX/XXXX how much it would cost to just pay them to get rid of this, even though I truly believe its fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldnt accept a dime from me because they have NO record of me ever having an account with them. Thered be no way to apply it to my account because there is none! I asked them so if it actually were my debt and I wanted to pay it, how would I? They stated that I couldnt have. That thered be no way for them to accept money from someone theyve got no record of owing them. I then asked the woman, XXXX, ok, well then what is it youve been using to verify my account when you reply to the disputes XXXX   keeps sending you? She stated that it wouldnt be possible for them to verify something that doesnt exist in their system. I then asked is it possible this mystery debt was sold to a collection agency? She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was well can you remove it from my credit file? She stated that shed love to since clearly this is affecting me XXXX and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isnt mine. ) she stated unfortunately, shes not able to reach out to the bureaus and ask them to remove something she cant locate, and that my only course of action would be to dispute it again. Ive done this. At least 3-4 times with no success. I then called Experian, the XXXX reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I can not have any open disputes while purchasing my home. Its my first home and Ive got a family of XXXX to care for. Im now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and XXXX   continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Bread Financial Holdings, Inc.
State: MA
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 am reporting this account to you because when I saw this account reported I was confused. The status of this account is collection/chargedoff yet there is no balance, there is not a single late remark on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not have a mortgage with XXXX XXXX XXXX XXXX of XXXX  Georgia ( merged with Synovus Bank ). I received a Notice of Lender-Placed Hazard Insurance Coverage informing me that a policy of hazard insurance was purchased on my behalf. It is to cover the property listed in the attached XX/XX/XXXX letter and Notice of Insurance.XX/XX/XXXX Lender letter is enclosed ; subject is about the transfer and servicing of that mortgage loan to XXXX XXXX XXXX. The letter states, This is a business transaction between Synovus Bank and XXXX XXXX XXXX and in no way reflects negatively upon your account. The transfer and servicing includes the hazard insurance policy. The transfer date and insurance payment date is XX/XX/XXXX. Placed several calls to both the Lenders and new mortgage service representatives,XX/XX/XXXX ( Lender only ) and XX/XX/XXXX, respectively, about this issue. I explained the debt had been paid off over four years ago. The Lenders representative said she would get back with me. I called her the next day and she wanted proof the debt was paid. The new servicing representative said to email him the document showing the debt was paid. Both were able to retrieve documents and transactions on the mortgage. As reiterated previously, I do not owed this debt. Who are the people involved? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synovus Bank XXXX, Georgia XXXX   Telephone : ( XXXX XXXX ) XXXX  Email : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Telephone : ( XXXX ) XXXX   ext. XXXX Email : XXXX Synovus Insurance Tracking Center XXXX XXXX XXXX XXXX GA XXXX Telephone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CMRE Financial Services, Inc.
State: CA
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:
I have disputed cmre financial service for reporting 21 times to XXXX  credit about a debt in regards to 2 hospital visits. They ruined my chances at getting any car loans. They are reporting excessively and the debts are not correct. I have had to dispute each one and they will not remove all of them just some. Please help me get them to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am writing this letter because of erroneous information on my file. I have been trying to dispute, but all to no avail. I demand for comply and conform to fix it.

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 2020-05-18
Company: Synergetic Communication Inc
State: AK
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 was a victim of identity theft in the mid to late XXXX 's. I only learned of the Identity theft due to a hospital collection agency contacting me at my place of employment requesting I pay a bill. I filed a complaint with the local police department in XXXX of XXXX. I did not learn of the credit card theft until XXXX. 
I filed a FTC complaint # XXXX. 
Now, over 20 years later, I received a letter from a new collection agency, requesting payment of a debt. The first collection agency XXXX sold my information to another collection agency, Synergetic Communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
OnXX/XX/XXXX, I got my XXXX statement for my Kohl 's credit card. I noticed there was a {$27.00} late fee. I called since I knew my payment was received on time. There was a mistype when I did my pay through bill pay, {$70.00} was sent instead of {$73.00}. The lady ( I can't find the paper where I had her name ) was very nice and said I have a perfect record with them ( never been late before or anything ) and she would refund the late fee. She then said that would make my minimum amount due {$74.00} instead of the {$100.00} the bill was showing. So on XX/XX/XXXX I sent in a {$75.00} payment. I got my Kohl 's bill today and it shows {$140.00} min payment and a {$37.00} late fee.The amount shown as past due was {$26.00} ( basically the late fee minus the extra {$1.00} I sent in ). I called them back today and got a lady with a VERY heavy accent. Even after getting her to repeat her name I couldn't understand what she said ( it started with a G sound ). I explained what happened last month and what I was told to send in. She proceeds to tell me they can't change the minimum due, I was supposed to pay the entire {$100.00}. She said she can waive the new {$37.00} late fee but I will need to pay the full {$140.00} that is due in XXXX. I explained to her that I have never heard of a company not being able to change the minimum amount due. I work in the XXXX XXXX and know that this can be done. I have had this done one time before with another company that there was a mix up on when they posted my payment so they charged a late fee. When I called them they acknowledged the error and refunded the late fee which adjusted my min due back to what it should have been. I asked to speak to a manager and was told that I could not because they can't change the minimum due either. So because of this, I have to pay double what my usual payment is. Which is causing me to have to adjust my budget and take money from my grocery account to cover this. I have closed my account and will not shop at Kohl 's ever again. I have been a card holder with Kohl 's since 2014. In all the years I have had credit accounts, I have never had a company say they can't adjust the min amount due when they are refunding the late fee. I do not feel I should have to pay the full {$140.00} when I was paying what I was told was the amount due for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Up on trying to obtain an application for a apartment my credit was ran, only to find that a number of accounts was one my report that does not belong to me or any one that I know. I contact those creditors make them aware that those accounts was not mines but only to get no cooperation from none, this is posing a major problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Auto Trakk, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello and hope all is well. Credit extended for vehicle purchase in 2015 from Auto Trakk. Retained vehicle and its contract for over year. Within the second year of the lease, I became unemployed. Requested extension until unemployment is approved. The company offer some assistance, however, it was not enough to stop the on-going calls for the debt owed. The account has been on the credit report, for now, a total of 15 years requesting removal according to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Consumer Portfolio Services, Inc.
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:
Accounts belong to twin brother 1.XXXX bank online account charge off account Not My Account 2.XXXX XXXX XXXX  Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account. 
I Recently settled with a XXXX XXXX  bill that was opened in XXXX and closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX  is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid XXXX XXXX  does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked transunion and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX  refuses to keep credit status up to date and current.

Company response to consumer: Closed with explanation