BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since LoanCare aka XXXX took over my mortgage from XXXX who went through bankcruptcy. I constanly got charged with late fee. Before XX/XX/XXXX my principal and interest was {$610.00} Escrow was {$170.00}. I have my bank send automatic payment of {$200.00} weekly, that was more than enough to cover the monthly bill, however XXXX still charged me {$30.00} late fee. 

XX/XX/19 I requested to drop the Escrow, I will pay Escrow by myself from that day forward, so starting XXXX I only required to pay {$610.00} however my bank continue to sent in {$200.00} a week and they still charged late fee, they receive minimum of {$800.00} a month for {$610.00} mortgage bill, I been paid XXXX this way for years and never have any problem. I have call them multiple time to request them to drop the late fee but they keep getting me run around. Early XXXX I inform XXXX represenative that I have requested my bank to send automatic payment to XXXX {$610.00} two time a month which is double the amount required. Yet they still charge me late fee for the month of 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 2019-12-03
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX to get internet service in XX/XX/2019, XXXX employee read the contract to me on the phone and asked for my consent, the contract she read included that if the service was cancelled within the first month then no charge will be applied based on that I gave her my consent to move forward with service order, the internet service speed didn't meet our expectations and we called their support multiple time to see if there is something that can be fixed but unfortunately we had to cancel the service two weeks after the order was placed and I went to XXXX office in XXXX, CA and returned the equipments and we switched back to our old service provider. 
Based on that I do not believe we should have any balance with XXXX but that was not the case they billed us for month of service which we refused to pay so they sent it to collection. 

This have caused a great harm to my credit report specially we are in the process of buying a house, The contract which XXXX employee read to me on the phone is the only contract which I consented to. 

Please help us resolve this issue and remove this unfair collection record

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems , INC Has sent me three notices of debt to an apartment I no longer live at. The first one, I threw away after calling the apartment and they told me it was a scam that many people were calling about. NCS had knocked down my credit score so I reported the late fee as fraud on XXXX. The credit issue was resolved. The second notice I received was on XX/XX/XXXX saying I owed the apartment complex {$210.00} with a resolution offer of {$100.00}. A similar notice was sent again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am in the process of getting approved for a mortgage. I was informed by a mortgage broker on the XXXX of XXXX that I had a freeze on Experian that looks like it was frozen on the XXXX of XXXX. I did not place the freeze. 

I tried contacting Experian to find out why I had a freeze on the XXXX after finding out from the broker that there was a freeze. Experian 's phone service is abysmal. There is no way to talk to a human and their automated help could not answer my question. I finally emailed them, but their response did not answer the question of why I had a freeze and kept answering questions that I did not ask and dodged the question I did ask. They say I can't talk to a human either. 

I just want to know why my credit was frozen and if I should have any concern it is frozen without me requesting it. 

Note that I did unfreeze the account on the XXXX after creating an account on their website which I did not want to do, but was forced to do.

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 2021-10-28
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector has called family members of mine in attempts to reach me. After this happened I called the company to get in contact with them and prevent further calls to my family. Hours after speaking with the collection agency, another call was placed to my family despite calling the collection agency myself and giving them all of my information personally to call ME. 

The collection agency is Mercantile Adjustment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This issue has gone unresolved since XX/XX/23. I used Santander 's online app to transfer {$2000.00} to XXXX XXXX. I received confirmation that XXXX received the money. But then, they sent a follow-up email that they were having transfer issues and the money was sent back to Santander. However I closed the account with Santander by that time. I filed a complaint with the CFPB with XXXX XXXX. They researched the issue and claimed they sent the funds back to Santander. A contact at XXXX XXXX  even spoke with a woman named XXXX in the XXXX department at Santander. Both banks went back and forth blaming each other. I received a letter from XXXX XXXX  officially closing the case that they do not have the {$2000.00} because it was sent back to Santander even though my account was closed by that time. I have spoken to numerous departments at both Santander and XXXX XXXX  and neither bank is taking responsibility. I have XXXX XXXX numbers, dates, and names with everyone I spoke with. I need Santander to look into this further because XXXX has made the determination that the money lies somewhere with Santander. I can provide every single detail you will need to research further.

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 2021-10-28
Company: U.S. BANCORP
State: CA
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:
I am currently in a dispute with a merchant regarding their use of a contract that's in violation of 12 CFR Part 1005 ( Regulation E ) " compulsory use '' provision. I've provided the merchant notice pursuant to Consumer Financial Protection Bureau guidance on XX/XX/2021 XXXX XXXX. However, they have indicated that they will not comply unless I cancel the contract, which would would allow them to deducted the remaining alleged balance from my debit card account. Unable to convince them otherwise I then contacted my bank on XX/XX/2021 XXXX XXXX. I was assured that. " I've blocked XXXX on your debit card and here 's a quick disclosure : " on XX/XX/2021 XXXX XXXX by XXXX XXXX U.S. Bank Email Operations Department. On XX/XX/2021 I discovered a pending transaction from XXXX. I called customer service regarding this transaction on that same day and I was told that the assurance I was given would not be honored. I was told that there was a disclaimer in my electronic banking agreement. However I could not find it. I was also informed that the stop payment that I was assured of on XX/XX/2021 would not be effective until after my phone call of XX/XX/2021. I was then instructed to dispute the transaction. Also on XX/XX/2021 I was informed by XXXX XXXX U.S. Bank Email Operations Department that XXXX XXXX had changed the merchant ID they're using to charge your debit card which is why the stop I had in place didn't prevent this one from being received. I was instructed to use their form to dispute the charge. However, their form does not provide an option related to having been assured by their staff that there was a stop payment in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Pappas Hayden Westberg & Jackson PC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from Pappas Hayden Westberg & Jackson XXXX XXXX, KS XXXX stating that they were trying to garnish me. I tried several times to contact and finally got a call back. This is in regards to a credit card debt from nearly seven years ago. They would not provide really any information other than they would do an internal investigation and let me know. I currently do not have any marks on my credit report to reflect anything relating to this. I regularly monitor my reports and have not had anything on this as far back as I can remember. I had thought that I had paid it but due to the age I am having trouble coming up with any records. I tried to contact the debtor directly but they would not talk to me because there was a attorney involved. If I owe it, I'll pay it but they couldn't/would n't offer me any proof other than " because we say so ''. I don't understand how something can simply pop up out of nowhere and I can be expected to blindly pay it. They are talking about garnishing a bank account that has been closed for several years. I have worked hard to repair my credit and don't want something to damage that for no apparent cause other than a greedy law firm trying to prey on the unsuspecting and vulnerable. Is this even legal? Are there no statutes of limitation? Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Diversified Adjustment Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Final amount from XXXX of {$170.00} is incorrect. See attached. Shows past due of this amount but then another amount of nearly {$190.00} This was XXXX of XXXX. 
Service was shut off by my request on XX/XX/XXXX. I have evidence of this in writing to XXXX. I even have new phone service and a bill from XXXX which can be provided showing all XXXX phone numbers listed with service as of XX/XX/XXXX. Now this company Diversified is not providing me any itemized statements and the bill is up to {$260.00}! Clearly XXXX continues to charge me for services I do not have! Someone needs to stop the madness with XXXX. I've attached my final bill from XXXX showing no balance and credits given to me by the person below. 

XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX CEO Customer Experience Obsessed Direct : XXXX Fax XXXX XXXX Attached shows that the billing was adjusted and final payments made in XX/XX/XXXX which left me with a XXXX balance. Further evidence will be submitted if small claims is filed with motion in court. No further activity was on the account for any calls, texts or data after this date of XX/XX/XXXX. 

Diversified has zero evidence and only provided me with 2 pages no items listed and refused to even walk through items and told me on a recorded line they don't have the paperwork. How can they put this on my credit report and collect with NO ITEMIZED STATEMENTS!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BANK OF AMERICA HAS GIVING ME NOTHING BUT PROBLEMS ... IT TOOK ME OVER A YEAR FOR THEM TO GIVE ME THE PROPER AMOUNTS FROM MY EDD PAYMENTS .... I HAVE CONTACTED THEM ALMOST ON A DAILY BASIS IN 2021 ... THEY FINALLY CFREDIT MY ACCOUNT BUT WITHHELD TWO CLAIMS AND ARE STILL DOING SO ... THE AMOUNTS ARE ROUGHLY {$4600.00} AND {$6000.00} THOSE AMOUNTS WERE PART OF THE ENTIRE CLAIM WHICH THEY FINALLY APPROVED I DO BELIEVE IF I HAD NOT BEEN STEAD FAST THAT THEY WOULD HAVE NOT GIVING ME ANY OF MONIES. 
PLEASE HELP ME I LOST MY PLACE WHERE I LIVED DUE TO THAT WHOLE ORDEAL THAT THEY UNECARRILY PUT ME THRU WITHOUT ANY MERIT ON THERE PART. THEY ALSO WOULD EXCEED THEIR TIME LIMITS AND VIOLATE THEIR OWN BY LAWS WITHOUT EXPLANATION OR ANY PROPER DOCUMENTATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get an answer about my escrow account. 

I called and spoke to an individual who said my escrow account was negative. 

They said my escrow was only funded with {$2700.00} ( line g on my respa ), however, for line f on my respa with the prepaids, it was $ XXXX- this money is missing! They have no record of it even though it is in my closing documents and I paid it. 

I tried to talk to a supervisor. They called when I had a medical need and I could not talk. I asked them to call back in a half hour and they did not. Its been all day now. 

I would also like to close my escrow account due to this mismanagement. I was told I was eligible as of XX/XX/2021. I just wanted to get the funds settled because loan depot lost {$5200.00} in funds. 

My escrow account is showing an escrow advance of $ XXXX- this further adds to confusion and missing money. 

I asked for a detailed statement of my escrow- the representative said its online. But online doesnt show all the transactions. They told me they dont issue them, until I pressed and asked- then they said they would email it in 3 days. Still waiting for this statement. 

Also I have two tax appraisal districts- they said on the chat {$3200.00} ( school taxes ) but we also have {$1900.00} in local county taxes. The chat agent didnt say if this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
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:
There's information that's on my consumer report that is a result of identity theft and fraud. I did not provide permission to anyone to TRAFFIC my personal identifying information that is being reported on my consumer report. Also I have the right of privacy as a consumer. And my privacy rights has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
During a recent review of my credit report, I came across inquiries that I do not recall having authorized. As you are aware, such an unauthorized inquiries should not be reflected on my credit report, as it is in direct violation of the Fair Credit Reporting Act, which safeguards the privacy of individuals ' information from unauthorized access. I kindly request that you furnish me with substantial evidence detailing the justification for these inquiries. I am confident that, upon review, you will concur that these inquiries have no valid basis for being present 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 2023-08-12
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$320.00},

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