BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am not sure where to go next with an issue with my mortgage service company ( BSI Financial ). I am looking for help who to contact next and what to do. 

I am encountered several issues. My current issue is that BSI is charging me a late fee of {$58.00}. The reason for this that they did not cash the check sent to them which is on auto pay with XXXX. 

XXXX sent out check on XXXX - However, BSI on cashed in on XXXX. 
XXXX ( Recurring ) bsi Interest Checking- {$1.00}, XXXX Bill Payment : Check Cleared on XX/XX/XXXX Therefore, BSI posted a late fee of {$58.00}. BSI claims the issue is on my side which I don't believe. XXXX has been very reliable. 
I called BSI and they told me that they would request a waiver ( not sure why customer service could not waive ... ). However, they told me they do it only once a year. I did already have a late fee not to my vault. I already worked with them on another issue with wrong escrow charges. The last call is now two weeks back, and they did not waive the late fee. 

Some background : I refinanced my mortgage with XXXX in XXXX of XXXX. The mortgage got transferred to BSI Financial. At the beginning I had no issues. But out of the blue I got past-due notices. It turns out they paid my property tax. However, my mortgage is a no-escrow. So, they dis not charge me monthly for escrow. However, they debited my account and as a result told me I am past-due as I only paid regular mortgage payments. XXXX county refunded BSI automatically as they noticed that they got overpaid as I made the property tax payment earlier myself. You would think the issue would then resolve itself. But no. BSI did not credit my account for the refund from XXXX county. 
I then enter the phase of calling, being promised things are resolved etc. Trying to get in touch with somebody is nearly impossible. 

After several interactions I did not know what to do next. I filled a complaint with XXXX  However, this did not lead to a resolution. I got letters from " BSI Financial '' telling me that the issue is resolved. I also had more calls where I was promised the issue is resolved. Well, just today I got an other past-due notice. Calling them is nearly impossible, it takes several hours of effort to get in touch with them. I also have a job .... 

This has been dragging on for months. I never encountered a situation that couldn't be resolved. 

I don't know what to do next .... 

Also, XXXX  " BSI Financial '' tells me I am not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After opening my initial complaint and coming to the realization of the facts after further research ... 

XX/XX/XXXX we notified our then current mortgage company, Umpqua Bank, that we would change our existing home owners insurance from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX Umpqua added XXXX and made policy payment to them for the year. Rather than cancel XXXX XXXX, they made a year long policy payment to them as well on XX/XX/XXXX. 

XX/XX/XXXX Umpqua transferred our loan to XXXX XXXX. Upon prior complaint and CFPB investigation, XXXX stated that Umpqua neglected to include XXXX policy and listed XXXX XXXX as our insurance. In the meantime, on XX/XX/XXXX XXXX XXXX once again, requested payment from the mortgage company for XXXX policy and XXXX paid them another {$1400.00}. Meanwhile XXXX insurance is mailing us cancellation notices for nonpayment. 

XX/XX/XXXX XXXX finally pays the correct insurance company ( upon request ). But once again, for the second year in a row I have paid TWO homeowners policies. That makes me sick to think how hard this pandemic has hit our family financially this year. We didnt want to pay for two policies but we did unbeknownst to us until now. We just wanted to save $ XXXX {$700.00} per year by changing companies to a more affordable option. We had enough of XXXX XXXX increasing their rates year after year. 

Unfortunately, during the transition of my loan, Umpqua Bank and/or XXXX completely failed to manage my escrow account properly and that is my complaint.

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 2019-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a late payment notice by email yesterday on my Citi AAdvantage card for their {$99.00} annual membership fee. I havent used this card in over a year. I initially got the card for a family vacation that was in XX/XX/XXXX. They offered an attractive signup bonus with miles and first checked bag free. However, due to me using miles to book my flight and being forced to book the other 4 tickets for my family separately, AA would not honor the first checked bags free for my familys bags. This cost my family over {$100.00} round trip which was very upsetting. 

XX/XX/XXXX XXXX PDT ( approx 45 min call ) Called Citi / AAdvantage XXXX # and spoke with phone rep. She couldnt help me so she transferred me to customer service who transferred me to their manager XXXX , who transferred me to his manager XXXX -each time I had to explain from the very beginning what the problem was and how I was asking for it to be resolved. Everyone I spoke with at this point kept telling me they can only waive the annual fee up to 60 days. I didnt even know I had a balance due because I hadnt used the card in over a year and apparently was on paperless billing. The only two emails I recall receiving from Citi were within the last week or so. One saying my AA miles expired and the other yesterday when I first became aware of any balance owed to Citi. 

XXXX couldnt do anything and claimed there was nobody above him. All he offered was to fill out a customer complaint and somebody higher up would call me within 48 hours. 

XX/XX/XXXX XXXX PDT XXXX XXXX called my cell and said there is nobody above him. He would not waive the {$99.00} annual fee. He said he listened to my call from the day prior and nothing could be done. Horrible customer service. He kept talking over me and repeatedly said they do not and will not waive the annual fee.

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 2021-03-25
Company: Westlake Services, LLC
State: TN
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:
When I reviewed my credit report I noticed that there are some inaccuracy on it, specially on the Month of XXXX that XXXX  has 30 days late payments but XXXX and XXXX has no data provided.

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 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
My dispute is with Bank of America ( XXXX Visa Credit Card ) and XXXX XXXX credit reporting. It started with an honest mistake with Bank of America and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by XXXX XXXX credit reporting agency. When I went to the XXXX XXXX website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with Bank of America went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How Bank of America and XXXX XXXX came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently Bank of America lets XXXX XXXX handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from Bank of America denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge Bank of America and XXXX XXXX to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. 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 2019-06-27
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: Information belongs to someone else

Complaint:
I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I reached out to Dynamic Recovery Solutions , LLC and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fifth Third admitted to selling my information without my permission to XXXX XXXX XXXX. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are 3 accounts and 13 inquiries on my credit report that are not mine. I want them closed and removed from my transunion report immediately.

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 2021-09-21
Company: Experian Information Solutions Inc.
State: AZ
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 5 inquiries on my credit report that I m not familiar with, From 1. XXXX/XXXX 2. XXXX XXXX 3 XXXX 4. XXXX/XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.

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 2019-05-17
Company: ZenResolve, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initially received a written demand for payment from ZenResolve, located at XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ, XXXX, stating that I owned a debt in the amount of {$1800.00} to XXXX  XXXX  and they they were hired to collect the debt. I did not take a loan with XXXX XXXX or any other lender for the requested amount and have no other loan debts other than my home mortgage and auto loan. Simply put, I never borrowed the money that ZenResolve said that I owed. 

I promptly called and then sent a letter to ZenRolve telling them that the debt was not mine and asking for copies of the purported loan documents. Shortly thereafter, ZenResolve sent me a letter setting forth " payment history on the account using your banking information with XXXX  XXXX  ending in XXXX '' along with purported loan documents. The purported loan documents contain my name and address along with email address and telephone number. The purported lender which is " XXXX, XXXX d/b/a XXXX  XXXX, an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... '' A copy of then letter and purported loan documents are attached. 

I have never had any account at XXXX XXXX XXXX XXXX. The telephone number and email address stated on the purported loan documents as mine are incorrect. The loan documents contain no information about me that is not readily available from the property appraiser 's website. 
The loan documents are unsigned and only contain my typed name. Finally, I have never heard of nor had any business dealings with XXXX, XXXX  XXXX  or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted ZenResolve and raised the following points. They did not affirmatively say that they would stop calling me at work and mailing me payment demands. They did however tell me that they do not report their debts to " collection agencies '' and that the debts they seek to collect to not appear on credit searches. This is very strange since their actual business is debt collection. Also, I can not think of a reason why a legitimate lender would not report a delinquent debt in a manner that would be reflected on my credit search. 

I believe that ZenResolve and/or XXXX XXXX are engaged in a fraudulent collection scheme where they fabricate loan documents based upon information readily obtained via public records and try to pressure people into making payment. 

I sincerely hope that you will look into this matter. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I reached out to Midland Credit Management and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Name : CAINE WEINER Account Number : XXXX Balance : {$220.00} This letter is a formal complaint against CAINE WEINER, a collection agency located at XXXX XXXX XXXX XXXX XXXX CA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

They have refused to validate the debt. I have sent my validation letter on XX/XX/2021. Even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated from XXXX XXXX University in XXXX, consolidated my loans in XXXX with a very low interest rate of less than 3 %. Immediately after graduation, I started work at XXXX XXXX XXXX, a non-for -profit organization. In XX/XX/XXXXI got a letter from Navient stating that my loan was frozen for 50 years. I neither asked for forgiveness, nor struggled to pay my loan. Navient mislead me, and as a result, I paid for my children education out of pocket, falsely hoping that my loans are frozen forever. In XX/XX/XXXX I started getting calls demanding payments and threatening to ruin my credit history. From XXXX XXXX I learned that I 'm responsible for {$39000.00} loan, plus my son 's student loan of {$5400.00}, for which I was a co-sighner. I contacted Navient on XXXX, demanding to be transparent and provide me a letter of explanation. Why my loan was frozen in XX/XX/XXXXand what is going on now? No one had a response. They tried to convinced me that I was in school but I worked full time at XXXX XXXX XXXX. I was told by the Navient manager,  that if I agree to start repaying my loan, they will do investigation and provide me a letter of my loan ' history. She squeezed " yes '' out of me and e-mailed me a note " XXXX XXXX, your request for forbearance has been approved. Your payments will resume on XX/XX/XXXX. '' I still did not get an official letter. I contacted Navient on XX/XX/XXXX. Spoke with a representative XXXX, ID XXXX and was told that my request to provide a letter was cancelled, because it was sent to wrong department. " I feel racketeered. I asked for how many years I have to pay my loan and was told -for XXXX because my loan was initially consolidated. I tried to find information online, but under my SS I can only access my son 's information. I demanded transparency and told them on multiple occasions that they have to provide me all information in a written form.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation