BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have power of attorney for my father, who is XXXX years old. At the time of the alleged debt, in the summer of XXXX, my father lived in an independent living facility in XXXX, CO. He had signed up through the living facility to obtain cable through XXXX. He claims that the independent facility quoted him a price for the cable package, but when they went to install it the price was substantially higher that what was originally quoted to him. So he declined to have the cable installed. All of his dealings was with the independent living facility and he never signed any contract with XXXX, to the best of his knowledge. Over a year later on XXXX XXXX, XXXX, he received a letter from Diversified Consultants, Inc. XXXX. XXXX XXXX, XXXX, FLXXXXXXXX that he owned XXXX {$210.00}. I wrote a letter in his behalf to Diversified Consultants on XXXX XXXX, XXXX, advising them that my dad did not owe the amount as he had never signed any agreement with XXXX. To date neither my father or myself have received any response from Diversified Consultants. However some alarming events have taken place. I received a letter from XXXX stating that my father 's address had been changed to my residence. My father does not live with me and has his own address. Further neither my father or myself have ever notified anyone to change his address to mine. The second incident involved my personal credit information. I was advised on XXXX XXXX, XXXX, that on my credit information, my address has changed to my dad 's previous and present address. These two incidents need to be corrected as they are not only incorrect, but are inaccurate and not requested. A letter has been sent to Diversified Consultants to advise them of these unacceptable practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I opened a auto loan and had to pay higher interest due to my debt to income. I was a little confused when I knew my debt to income wasn't that high. So XX/XX/XXXX I went to open a motorcycle loan up. I received a call from the credit union saying I have a excessive amount of payments I make monthly and they were uncertain I could afford the purchase I tried to make. At this point i wanted to see what was going on. After reviewing my credit report the credit union pointed out acima credit was reporting I was making almost $ 800 month payments and failed to report for several months and was breaking federal laws. I had to contact acima and wait for documents saying they made mistakes. This was a very stressful time and still effects me to this day. The balance acima has now is just interest. I paid the total purchase price. I told acima that seeing what I was put through and the fact I'm paying higher interest on my auto loan because of there mistakes that i want the account closed and I'm not paying the interest they want. I even offered to pay a little more but I felt they owed me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Online Information which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding utility bills that I possess, and I am seeking the name of the company to which I owe the debt and a detailed breakdown of the fees that I owe. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an XXXX XXXX FL account where i made a $ XXXX monthly payment I recently have been going through financial hardships and have been late on making on a few payments. I paid off what i owed every penny of it on XXXX XXXX 2017 but they have yet to close my account nor have they took off the missed payments and everything off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation of debt letter to the company on XXXX XXXX and they received it on XXXX XXXX. Since I sent that letter I have yet to receive any of the information that I request from them that shows i owe them a debt.. I called in and asked why I have not received anything with the information that I requested and they stated that it is still in dispute mode. According to the FCRA dispute are only suppose to last 30-45 days and i have yet to receive anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital Accounts has put a derogatory item on my XXXX credit report. I never received anything in the mail about this medical debt and I have had insuance for the past 10 years. As far as I know, I have no medical debt because I never received a bill in the mail nor have I received any phone calls. I filed a dispute with the Better Business Bureau and Capital Accounts responded with an illegible written " statement ''. The illegible statement also has the wrong address which would explain why I never received anything in the mail. Furthermore, I did not sign anything giving anyone permission to pass on my medical information and I definitely did not sign any contracts with Capital Accounts, so therefore I do not have a business relationship with them. So, they should not be reporting anything to my credit reports. In addition to that, the statement appears to show a balance of {$200.00}. However, they are reporting {$300.00}. So, my HIPPA rights have been violated in addition to the Fair Credit Reporting Act. HIPPA has been violated because personal medical information has been transmitted to a 3rd party without my consent. The Fair Credit Reporting Act has been violated because they are reporting a different amount than the statement they sent me and they are reporting an address different from the one that the original creditor gave them. I have asked for documentation showing my signature agreeing to do business with Capital Accounts and they have not been able to produce anything. Capital Accounts needs to remove this collection from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I opened a CASHAPP acct for small transactions, and after a week thieves hacked my acct and fraudulently withdrew XXXXXXXX dollar withdrawals from my Cash App acct when there was only XXXX in there. Apparently there are no steps to prevent thieves from accessing my account that was linked to my cash app acct. My XXXX  XXXX XXXX checking acct was linked to cash app for deposits. I don't know how the fraudsters hacked without my present phone number, but there was an old number that was listed on my complaint to cash app which is no longer in use and is not live, so they could not get a text to verify it was me. I did not know the two parties who extracted funds from my acct, and I did not approve anything as I didn't know that they could hack past my XXXX dollar balance to get to my bank account that was linked? 

Cash app has NO HUMAN resources to file a dispute or complaint only, using the app itself, then you get an email, which can not resolve any real disputes. My bank gave me a temp credit and cash app said that the money was refunded?? Well ; whatever acct they refunded it to was NOT MINE. XXXX took the funds back on a credit reversal? I still have been a victim of XXXX dollars US and want my money, so I can close the cash app acct. Please help, P.S. I know of many others who have had the same issues as well as hearing this form the XXXX Rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equfax has violated the Fair Credit Reporting Act by keeping a creditor, XXXX XXXX on my credit when I have provided evidence XXXX XXXX has provided inaccurate information on my credit when has been removed three times. 

This account was removed from my credit due to violation of the Fair credit report since XX/XX/XXXX. XXXX XXXX has violated the Fair Credit Reporting Act and the Magnuson-Moss Act and the Truth in Lending Act by the following : under 1692f by acting as a debt collector and and creditor on a warranty attached to a service loan, 1666c prompt and fair credit payments, and 1681c requirement relating to information contained in the credit report. 

XXXX XXXX has presented 2 original loan balances in the amount of XXXX and XXXX and both showing a past due balance. 

In XX/XX/XXXX I contacted Equifax by phone in verifying if XXXX XXXX was on my credit and was told it was removed. I found out by pulling my credit XXXX XXXX is still on my credit. XXXX XXXX balance is inaccurate because the warranty that was attached to the property was non delivered and the dispute is in pending litigation in the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We leased this car in XX/XX/XXXX when we lived in XXXX. We set the lease up on auto-pay so the payment automatically debits from our checking account each month. We also paid the personal property taxes due on the car to the lease servicer in XXXX of XXXX because VA bills the title holder directly. 

In XXXX of XXXX we moved to XXXX and notified the lessor. We even obtained a letter from Chrysler Capital giving us permission to register the car in XXXX, which we did on XX/XX/XXXX. Despite being notified that the car was no longer garaged in XXXX, Chrysler Capital has continued to bill us for personal property taxes and licensing fees for XXXX. They have also issued numerous fees to my account that they have provided no substantiation for, despite my request to be given copies of the details for all fees charged to my account. 

I have spoken with them at least once a week for the past 6 weeks and submitted documentation as requested and they have failed to resolve the issue. They continue to show my account as past due when I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am unable to link my bank account with XXXX. It is my right to link my account with whomever I please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CITIBANK, N.A.
State: IL
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 scheduled a payment to Citi through my credit union 's online bill pay. The date to pay BY was the due date from Citi on my statement ( XX/XX/XXXX ). The credit union sent a check instead of an ACH ( they do not allow me to choose ). The check arrived LATE due to Trump Administration 's slow down of the mail! Now I got a late fee ( they reversed that ) and interest charges ( I was informed by XXXX at Citibank that that is a " legitimate '' charge so they can't reverse the charges, even though I have stellar credit and never had an issue, even with any other credit provider! ). Now I have to pay over {$45.00} for the slowness of the U.S. Mail. I have filed a complaint with my credit union.

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 2019-05-30
Company: DISCOVER BANK
State: IL
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:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX   {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} Discover {$2200.00} XXXX 's {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for 2 accounts on my report. XXXX XXXX  was the original creditor for both accounts ( XXXX XXXX XXXXt and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I closed on my Refinance deal with AmeriSave. On  XX/XX/2020, I received checks via XXXX for creditors & payout ; in which, I noticed 2 discrepancies. ( 1 ) My refi cash out check was - {$1500.00} short. I inquired about the issue with XXXX XXXX XXXX & AmeriSave, they both blamed the other. So I started an email thread with both included, I still got no where and still have not received my proceeds to date. ( 2 ) Per underwriter, I had to pay off my creditor, XXXX. XXXX provided documents & emails specifying I  was paid in full since XX/XX/2020 and they couldnt accept the endorsed check. Upon sharing this information with AmeriSave, they still denied the valid data, chose to ignore my current credit report that they pulled which showed a XXXX  balance. Refusing to accept XXXX check back to resend in my name. Its been over 28 days of frustrating, redundant back and forth emails/ calls of broken  promises of repayment to include tracking information and still no resolution to date!! CFPB please assist and get these folks to stop holding MY money hostage.

Consumers : I have been dealing with this refinance process with AmeriSave for well over six ( 6 ) long, frustrating months. With  other pertinent departments involved it was either people had delayed responses, their emails always stated not available which delayed paperwork process, which then expired, which lead me to resend. Now, when I should be excited and celebrating this unnecessary, time-consuming ordeal. The only great, professional, prompt, communicative person at AmeriSave was my loan originator, Mr. XXXX. I would have swiftly went elsewhere if it wasnt for him.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was in school and or unemployed and they would still charge me interest on the loan amount even though I qualified for deferment. Further, this decision ruined my credit and they have not acknowledge the error and fixed it. My loan is with Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage currently services my home loan, which includes the escrow of taxes and homeowner 's insurance. This is the second year in a row that Suntrust has not issued payment to renew my insurance policy in a timely fashion. As a result, I have had to come out of pocket, in addition to my escrow funds paid throughout the year to pay for the policy ( since Suntrust failed to issue payment ontime ) and am now seeking reimbursement from the servicer. 

More specifically, my insurance policy renewed XX/XX/XXXX. Prior to the renewal, we changed the agent of record to a local office, XXXX XXXX XXXX, to avoid issues that we had the prior year with Suntrust and the previous agent on record, XXXX. The Agent of Record change took place on XX/XX/XXXX with a copy being sent directly to Suntrust from XXXX XXXX XXXX. Once it was time to renew, I received a copy of the renewal bill and I personally sent a copy via fax to Suntrust on XX/XX/XXXX. 

Note, payment needed to be issued on or before the renewal to avoid possible cancellation. I also asked XXXX XXXX to fax a copy of the bill the same day. I received confirmation the following day, XX/XX/XXXX that the information had been sent to Suntrust by the agency. Then, my insurance agent suggested I call Suntrust just to verify they received the bill and the balance was being processed. I called Suntrust on XX/XX/XXXX at XXXX. I connected with an agent who confirmed that they received the bill and payment was scheduled to be released XX/XX/XXXX, the date of the renewal. I updated my insurance office with this information the same day and have record of that correspondence. 

XX/XX/XXXX. I received a call from my insurance agency 's office. The payment still hadn't been processed/received by Suntrust. I placed another phone call to Suntrust at XXXX, XX/XX/XXXX. I connected with a representative who advised they never received any copies of my bill, agent of record change and they had no records of my previous calls. Therefore no payment was made and that if they did not receive proof of payment they would place forced-placed insurance. 

Maybe there would have been some confusion - however, given I had been through this exact same fiasco in XXXX with Suntrust, I was adamant it wouldn't happen again and made multiple efforts to deliver this information to Suntrust. Now, I have had to come out of pocket AGAIN to fund the policy and am going to seek reimbursement from Suntrust. 

Disappointing is an understatement. I understand how frustrating CFPB complaints must be for Suntrust to have to respond to, but the lack of diligence from the escrow department is challenging to understand. Had I not had the extra funds to pay the insurance policy this would have been an even worse scenario.

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 2019-08-12
Company: Mr. Cooper Group Inc.
State: PA
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:
Had a home in another state while in XXXX, took care of it when got XXXX ( sold it XXXX however Mr Cooper turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
bank of america keeps over charging me for overdraft fees although i called them and told them im going through a divorce and XXXX  XXXX XXXX issues i got charged XXXX since XX/XX/XXXX alone although i told them to stop any automatic payments which they did not they told me they cant stop any transactions or stop the fees ..then they told me i can put money in the account before XXXX XXXX ET but when i put money in to try and cover some transactions they apply it towards large transactions and hold smaller ones and charge over draft on them. i tried to communicate with then they refusing to help they say im over my overdraft allowance .. im like yea because of my severe circumstances. in the past i may have over drafted like 1 or 2 times in my life but my XXXX XXXX XXXX XXXX and i dont qualify for state income help.

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