BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-02
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy in the state of Ohio. I was able to keep my car and my home because I had made all of my payments on time. Also, since I had made all of my payments on time my mortgage and my leased car were not included in my payments to the Chapter XXXX Trustee. I was able to keep making those payments on my own. <P/>After filing bankruptcy Pacific Union Financial made my account for my mortgage inaccessible. They made it so I could not use my " Bill Pay '' service through XXXX XXXX which was the method I used to pay my mortgage. They stopped all mail correspondence about my loan. They even made it so I could not access my account on the website. I ca n't even login to see any of my documents associated with my loan. Not even tax documents. They do not even provide receipts for payments made. I ca n't even call customer service to get information about my loan or to make a payment. The only way I can make a payment is to mail it in. Then once I mail a payment it takes weeks for it to come out of my checking account. There is literally no way for me to access ANY information about my mortgage. <P/>I spoke to someone with the Consumer Financial Protction Bureau in XX/XX/XXXX. The woman instructed me to send Pacific Union Financial a certified letter stating my concerns and asking for them to help me. She told me they must respond to my letter within 30 days and if not I needed to file a complaint with CFPB. It is now XX/XX/XXXX and I still have not received any response from Pacific Union Financial. That is where I am right now. <P/>Since sending a certified letter I have contacted them multiple times. They have not helped me at all. I even contacted them in regards to my tax documents needed to file a tax return and was informed by a customer service representative that they wait until the last day in XX/XX/XXXX to send any current bankruptcy clients their documents. Why would they do that? <P/>Unfortunately, due to my account being inaccessible and the amount of time it takes for my payments to come out of my checking account I believe I have fallen behind on my payments. I am at the point that I do n't even know which payments have been made and no one will help me get back on track. I am worse off now than I was before I filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, 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:
XXXX  XXXX XXXX  {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had received a XXXX XXXX for my XXXX XXXX at XXXX. When it came time to certify, I had my certification in on time, except I didnt have my social security number at the top of the page. They still were able to file it in my file. I was given an additional 30 days to send in recertification. My paperwork was in prior to the 30 day notice and before the grant was converted, but the grant was still converted. I have spent countless hours on the phone and filling out documents trying to get everything straightened out, with zero success. XXXX and the ombudsman line give zero help whatsoever. I would greatly appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Security National Automotive Acceptance
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
snaac is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX 2011 and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and and XX/XX/XXXX they would not listen or try to resolve. I have also been threatened by this company to take all my property in court and they also continued to contact me and family members after I stated not to contact me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to illness I file chapter XXXX in XX/XX/XXXX trying to safe my home I was 2-3 months behind. I stop the bankruptcy but continue paying my full amount of the House note. I have never missed a payment since. They have been charging late fees and reporting serious late payment to the credit bureau up to now. I should have been completely paid my house off. But due to all these unexpected fees and there lawyer fees Im still paying. Bought the house in XX/XX/XXXX. My loan have been sold 5 time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in XX/XX/2018 from a Linebarger Goggan Blair & Sampson, LLP claiming I owed {$52.00} to " XXXX XXXX '' in unpaid tolls and charges. I do not habitually take toll roads so this struck me as odd. Further, I had never been contacted by " XXXX XXXX '' about any amount due so I was skeptical as to how I could be in collections with them. Also, the license plate listed as mine on the letter sent by Linebarger Goggan Blair & Sampson, LLP isn't anywhere close to what my actual license plate is. In fact, the plate number they listed doesn't even follow the naming convention used for personal vehicle license plates in my state. Another red flag! When I researched this " lawfirm '' online I found many accounts from other people of this being a scam and anyone who tried calling the number for the firm 's call center was met with extremely rude, unhelpful people who just wanted to weasel your personal information from you, as well as the money. Consequently, I am not comfortable contacting this " lawfirm '' myself and instead choose to submit this complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: BANK OF THE WEST
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account on XX/XX/XXXX under a promotion where I was to receive, by XX/XX/XXXX, {$100.00} for setting up a direct deposit and {$50.00} for for using my new debit card. I received the {$100.00} for the direct deposit but never received the {$50.00} for using the debit card. The fine print of the {$50.00} bonus was that I needed to use the debit card to make 10 debit card purchases of at least {$3.00} each for two consecutive months following the month after my opening deposit cleared. <P/>I believe I have met the terms of the promotion. My {$500.00} opening deposit cleared onXX/XX/XXXX. I used my debit card at least 10 times for purchases of at least {$3.00} each for both XX/XX/XXXX and XX/XX/XXXX. Several weeks ago I discussed this issue with a customer service agent where he said he believed I had met the terms as well, and said he was going to submit a request for me to get the {$50.00} bonus and I should receive it in 3-5 business days. That time came and went. I called again and a customer service agent was very dismissive and just kept saying I would receive it by XX/XX/XXXX. That did not happen. I called once more and the agent said he would submit a request, but had no idea what the time frame would be, who would contact me, or when. <P/>Because I believe I met the terms of the promotion, the terms explicitly stated I would receive the bonus by XX/XX/XXXX, it is after XX/XX/XXXX and I have not received the bonus, and claims made by representatives from the bank have turned out to be false time and time again, I feel like I have no choice but to file a 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 2018-11-01
Company: Capital Management Services, LP
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Contacted this agency to resolve a debt that i had with XXXX XXXX, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..

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 2017-07-02
Company: EQUIFAX, 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:
I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has failed to protect me. I filed a dispute on XX/XX/XXXX, the chargeback was initiated on XX/XX/XXXX ( 6 days later! ) and to date, no resolution! My family traveled to XXXX Florida on XX/XX/XXXX. We booked on XXXX  based off the advertised information and price. Upon arrival from our 7 hour trip, we pull up and enter a home that was totally different from that which was advertised. I scrambled to find us additional accommodations, on such short notice, and filed a claim against the merchant the very same day-XX/XX/XXXX. There have been nothing but lies and deception from the investigative unit since I filed this claim. Read the notes! The customer service level is VERY low, the reps are quick to be sarcastic with you while providing either the incorrect information or dishonest inforMation- depending on the way you look at it. I called on Tuesday of this week, XX/XX/XXXX, because it has been 45 days since the claim was filed with the merchant. Bank of America claims the merchant has not responded. The merchant said they did. I have been the ONLY ONE to send in information from my own investigation while the reps at BOA twiddle their thumbs. This case has LITERALLY not changed status! When I speak with the reps and even their managers, always met with the same level of frustration from them that I am already experiencing with this ordeal. I literally just moved over my business accounts but this low level of service is about to make me move them right on back to where they were! This is ridiculous! I went in a branch today and even SHE was hung up on twice-n not counting the number of times I've been hung up on! Where is this high service level that BOA spends millions advertising?? Where are your employees? Why is no one accountable but quick to quote policy to me? Who is running this department? I think I spoke with her once but there was no continuity. As you can see, the claim is still in the same status it was when filed on XX/XX/XXXX! RIDICULOUS! I HAVE BEEN THE ONLY PERSON INVESTIGATING THIS CLAIM! The service level given to this claim in particular is bogus, sub-par, and should be extremely EMBARRASSING to BOA!

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 2018-11-01
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Choice Recovery, Inc.
State: OH
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:
In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via Choice Recovery. This is not my account. It was confirmed that this was not my account, but my son 's ( XXXX XXXX XXXX, not XXXX XXXX XXXX ). I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the 700 that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. Choice Recovery, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: ERC
State: UT
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:
ERC is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Conn's, 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: Old information reappears or never goes away

Complaint:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and Conn 's Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: MS
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:
The first XXXX  was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by EXPERIAN employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by XXXX XXXX XXXX 
I was not lieing at all. Reduced credit the toXXXX  the employed person by these two companys are not educated they don't understand how to add interest. late XXXX is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).

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 2018-11-01
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
JPL Recovery Solutions is a debt collector that has been calling my work at different clinics locations, family members, friends, and previous housemates claiming they are " doing research '' on myself. They have contacted family members several times and over the last week they have contacted my job three times ( XXXX ). I requested that they do not contact my work as they have my personal line, they stated the calls will not stop and they will continue to call me at work because they will be garnishing my wages, although I have not received any details of a lawsuit for garnishment of my wages. I requested that they send me the details of the debt they are attempting to collect to my address, and the representative took down my address and said they will be sending me details of the wage garnishment to my address at work, instead of my home address and hung up the phone before I could decline. Their calls are very harassing and disruptive of my work place. They have also given me various amounts of the debt I owe from {$18000.00}, {$16000.00}, {$4500.00}. I have spoken to XXXX at least XXXXhree times as well as two different supervisors. They have been rude to other employees I work with who have answered their telephone calls. I have no written documentation of these amounts despite requesting a letter confirming they are a legitimate debt collector or representative of the company that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: DE
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : 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 non-monetary relief