BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was supposed to receive an escrow check from this company. I sold my house on XX/XX/XXXX. XX/XX/XXXX and I still had not seen a check. I called them on XX/XX/XXXX and they told me it was mailed out on XX/XX/XXXX. I have received all kinds of mail form them but no check. On the XXXX a gentleman told me that he would stop payment on the old check and have them issue a new check, to wait 5 days. If I did not see a check by Saturday XX/XX/XXXX then to call back. I called back on XX/XX/XXXX and the lady told me that the gentleman had mad a mistake and put the check back in escrow! After a long conversation with her she said that her supervisor agreed to have the check sent next day air to my address. She also said to call back on XX/XX/XXXX and they would have a tracking number. I called back on XX/XX/XXXX and the new lady said the check was still in process of being issued and that it would take about 2 weeks for me receive this check. I settle on my new house on XX/XX/XXXX and this is money I was going to use for the down payment! Now I may lose the new house and all they can do is say sorry for the inconvenience. They flat out lied to me from the 1st phone call, I asked to speak to a supervisor and they kept transferring me to different departments. This company dose not know the 1st thing about customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rented a home in XXXX, Alabama. The realty company communicated with a 3rd party collections agency without contacting me about resolving the debt sent from the realtor. The charges listed were incorrect, but the issue was not properly resolved. I attempted to communicate with XXXX about the accused debt by letter, phone and email without response, but was sent to a debt collections with no communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am in the process of closing my BBVA Compass chequing account since I had acummulated a negative balance of {$160.00}, But I still will like to pay BBVA Compass hopefully in small installments.The reasons for this are as follow : Between XX/XX/XXXX and XX/XX/XXXX my BBVA Compass chequing account had been charged four times with non sufficient funds each time around {$38.00} fees.Of all of those only one was for a real writting check, the rest were electronic payments.Althought I must admit that when all these transactions were paid by BBVA Compass it seemed practical since I did not had to face the payee going after me.But then later I realized few issues with the way BBVA Compass exercise this service on my account for instance there was no a call, email or mailing letter informing of my account been over draft ; all this time I had have exporadic access to the internet and a few years ago BBVA Compass force me to relinquish paper statements.Also in the year 2013 I remember walking to my neighborhood BBVA Compass branch located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX and sat with one of their employees at that time to ask for a removal of overdraft protection from my account.I Know could bear my mistakes, but all of these non suficient funds fees were for paying my XXXX, my mechanic, my car insurance and my phone company even some of the bills were for {$5.00} ; had BBVA Compass honored my request of a few years ago all of my payees would be more lenient and cheap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
sometime the end of XXXX Bank of America closed my ATM card and sent a new XXXX which I activated. The new card that was activated keeps being declined even thou I have the funds. Calling them, after being on hold for someone the phone hangs up. I cant spend the entire day calling I have to work. My card was declined XXXX XXXX and again XXXX XXXX. On the XXXX a text was sent to me asking if I tried to make the purchase and I responded yes. They have my card lock so I cant use it anywhere. On XXXX XXXX I made an online payment for my electric which I checked and that amount was taken out. A few days later it was put back only to be taken out again on the XXXX. When I checked my account on the XXXX of XXXX and saw I had extra money in there I paid other bills. I did n't realize they put back the amount I paid on the XXXX, this made XXXX transactions overdraft, this is how they make money confuse people thinking they have money by putting back payment that was taken out and pulling it back out a few days later. These fees should have been refunded and the bank needs to stop playing games. Other people in my family say the same thing, they make online payment, see its out of there account then a day or so later is put back into the account and taken back out XXXX to five days later. These XXXX fees needs to be refunded since its their fault for putting money back into my account, after I 'm thinking its out and then waiting 5 days later to pull it out again. My ATM card needs to be active so I can use, and not have every purchase declined.

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 2016-10-28
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The collection accounts were included in Chapter XXXX Bankruptcy. Financial Data Systems ( FDS ), the collection agency, received notice. The original creditor is to be paid by the bankruptcy trustee as listed on the Schedule F of my bankruptcy documents. FDS refuses to mark the accounts as " included in bankruptcy ''. Rather they keep the accounts marked as " medical '' implying that they are actively collecting on the accounts. I have made multiple inquires to XXXX, the only credit reporting agency that continues to list the accounts. They also will not correct the accounts. I view this as the debts still being collected on by the FDS until they are marked correctly so that future creditors will know I am not in active collections or until the accounts are removed all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: PA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Investigate and correct or removed the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2016-08-09
Company: MSW Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CFPB complaint dated XXXX/XXXX/16 This complaint is in reference to XXXX XXXX forwarding a direct dispute to MSW Capital LLC and that MSW Capital LLC appears to have never received because of the wrong address and MSW Capital LLC reply to another complaint I filed with the XXXX of New Jersey on XXXX/XXXX/16. MSW Capital LLC continued attempts to collect on a paid account. 

History After a dispute through the CRA 's, XXXX XXXX updated the account as paid. 


On XXXX/XXXX/16 ( see attached ) I sent a direct dispute to XXXX XXXX regarding the paid account being properly reported. They forwarded that dispute to MSW Capital LLC. XXXX XXXX XXXX, NJ XXXX XXXX XXXX had stated they transferred the account to MSW Capital LLC . However XXXX XXXX does not report MSW Capital LLC on there trade line as owner of the account. My credit report has no other account reporting under MSW Capital LLC. 

I submitted a complaint with the XXXX in reference to clarification of MSW Capital LLC address. MSW Capital LLC replied XXXX/XXXX/16 there address was MSW Capital LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( see attached XXXX Complaint ) However MSW Capital LLC response indicates they have not been notified the account has been changed to paid after a dispute through the CRA 's in reference to the XXXX XXXX account. To avoid MSW Capital continue attempt to try to collect on paid account I would like them properly notified. 





Attach credit report showing XXXX XXXX Account paid dated XXXX/XXXX/16 Letter sent to XXXX XXXX XXXX/XXXX/16 Letter XXXX XXXX response XXXX/XXXX/16 XXXX MSW Capital response XXXX/XXXX/16

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$540.00} Date Opened : XX/XX/2002

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: LOBEL FINANCIAL CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX I bought a XXXX XXXX XXXX financed by Lobel Financial. I signed all the paperwork with my payment being {$290.00}. I went down the street to get proof of insurance for this vehicle, I get back, I was told the finance company had already jacked my payment up. I had to sign new paperwork, making my payment {$320.00}. Before the first payment was due, I got a notice that I did n't have adequate insurance and they were going to XXXX my payment up ANOTHER {$66.00} a month. This continued the whole time I had this vehicle. ALL the documentation is being sent to you. The insurance company repeatedly faxed them proof. Come to find out, that 's their SOP. It 's a major league scam. They now operate XXXX offices in XXXX States. XXXX XXXX is an active, practicing Attorney in the XXXX of CA. # XXXX, admission XXXX XXXX. Interesting, he sues the very people he profits from. In XXXX, Lobel Financial paid {$150000.00} in civil penalties, and {$100000.00} to the XXXX of CA for XXXX and costs. Compare all the complaints with the XXXX, Consumer Affairs, Complaints XXXX, and Debtor 's XXXX, they have a well established, documented theme. They 've acknowledged the problem in numerous complaints but have failed to fix the problem. With him being a lawyer, you would think he would have taken corrective action, but has not. I 'm filing a complaint with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Dynamic Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached letter on XX/XX/2020 from the said company ( Dynamic Recovery Solutions ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Sallie Mae gives you a standard six months before you have to start making your loan pay backs. When that six months was up I applied for a forbearance for the loans because my husband is in XXXX program and we are not making it on what I make alone. The time has come to repay the loans once again and we are behind in the loan payments. I called after getting letters in the mail and tried to see if I could do another forbearance and they said that I could not. I can make the payment on one but not the other. They stated that I would have to make a payment in order to get information from customer service. I am trying to see the options and they were holding information for ransom. Stating that I was not be able to find out anything without making a payment. Then, I say OK and made a payment and asked if then I could get to the customer service for repayment options and they " tried '' to transfer me over but it did n't work. So then the rep stated that I should call from a phone number that is not on my file so I can get some repayment info. If i use my husbands number or mine it would just route back to collections and they states that they do n't have the same info that customer service has. So I guess I am going to make what payments that I can until I can get more info or help. I really feel like we are being punished for trying to better ourselves through schooling. My husband has at least another year and a half before he is done with his program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, * XXXX XXXX XXXX  XXXX. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was trying to remove old student loans that had been consolidated off of my credit report ( the old, closed accounts ). They did not verify the account nor delete the closed positive accounts. Instead they updated about 10 accounts marking them as late in XX/XX/XXXX. These accounts were established in XX/XX/XXXX and XX/XX/XXXX and consolidated in XX/XX/XXXX. My accounts have been current all these years. When I called the number on my credit report, I got Navient instead of Sallie Mae. I was told they couldnt transfer me nor was there anything they could do because the account was n't updated by them. But its Navients number on the credit report. I have several copies of my credit reports showing these accounts were just reported as late from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I bought a Truck in XXXX and my score was XXXX and had been that for about a year. On XXXX XXXX my score went down XXXX points and on XXXX XXXX it went down another XXXX points and no one can explain why or have a good reason for the XXXX point drop. The service reps keep trying to sell me the monitoring program and it would not have helped at all. Why did my score drop so drasticly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I went to the Golden 1 credit union bank atm to deposit money. I am not a customer of golden 1 but I am with XXXX XXXX XXXX and frequently use that ATM for deposits. I accidently put my XXXX XXXX XXXX EDD debit card into the ATM machine and proceeded to make a deposit of $XXXX. The machine kicked out $XXXX, I assumed because it was wrinkled.  It gave me a receipt, and I walked back to my truck, then realized i left my card in the machine. Upon walking back up to the atm I noticed a large amount of money going back into the machine. I grabbed my card and then noticed that I'd used the wrong card, looked at the receipt and saw that it said that my transaction had been canceled.  I went into the golden 1 bank showed them the receipt and told them what happened.  They told me they couldn't help me unless b of a sent them a Regulation E form. XXXX XXXX XXXX said they have no record of the transaction and therefore will not send the form. I have been on the phone with both companies back and forth for over a week and no one will help me resolve this.

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 2021-11-16
Company: EQUIFAX, INC.
State: FL
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 sent in a letter to update my personal information and i would like to delete all old information like my name and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, I submitted an application to open an online savings account on XX/XX/XXXX with HSBC. The advertised APY was 1.55 %. When I created the account on XX/XX/XXXX, I used the HSBC live chat to confirm the 1.55 % APY regardless of amount, whether it was $ XXXX or $ XXXX. The customer service agent confirmed my understanding. The application was approved on XX/XX/XXXX and was initially funded with {$1000.00}. The first account statement for XX/XX/2020 - XX/XX/2020 showed an APY of 1.29 %. On XXXX, I received an email that the APY is being further lowered to 1.01 %. 

In a matter of 2 weeks, they've lowered the APY 55 bps. I can't close the account within the first 180 days without a {$25.00} cancellation fee. This bank is luring people with false terms and robbing them of their savings.

Company response to consumer: Closed with explanation