BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
FACT # XXXX ) I have a secured credit card with US BANK. Every time I indicate to a " live representative '' he/she would ask " which savings account would I like to pay from ''. Oddly, because there 's ONLY ONE OPENED by me XXXX associated with only XXXX checking acct XXXX. 

So TODAY, I inquired with a live agent " XXXX '' about this. He says, " there 's XXXX and I 'll transfer over to the department that handles this. '' To our surprise, US Bank secured credit card dept. lol. Then when I ask them please clarify the XXXX XXXX XXXX XXXX savings accounts whenever I wish to make a payment. XXXX, supervisor, stated maybe when you do an automated payment ( but I NEVER do ) I always speak with live rep. So, she says " maybe they are confused. '' I forewarned her the suspicious activities with XXXX XXXX Bank opening up accounts without one 's knowledge is absolutely illicit. She concur.

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 2015-08-15
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a vehicle loan through BBVA Compass Bank. We sold that vehicle to a private party XXXX XXXX, 2015. The purchaser obtained their Loan through XXXX XXXX out of XXXX, Mo. XXXX XXXX sent a cashiers check ( XXXX/XXXX/15 ) overnight for the remainder of my loan to pay off this vehicle. Compass Bank received the check XXXX/XXXX/2015 at XXXX per the tracking number obtained by XXXX XXXX. Compass Bank is unable to locate the check, thus my loan account has not been closed and is accruing interest and coming due for another payment, although I have not had the vehicle in over one month. 
I have contacted Compass Bank XXXX times regarding this missing payment. I continue to have no answers. I have contacted XXXX XXXX XXXX times, who have no concern about the loan payoff, nor the loan they opened for the purchaser. One person for XXXX XXXX informed me XX/XX/XXXX that the cashiers check had not cleared. XXXX XXXX is now refusing to inform me over the phone if the check has cleared or not. Compass Bank is requesting that XXXX XXXX either provide them with proof that the check cleared or place a stop on the check ( which XXXX XXXX stated will require XXXX days ) and reissue the check again. XXXX XXXX has not been in contact with Compass and has not returned my recent calls. I have spent hours on the phone to these companies to no avail. I am stuck and unable to get either party to look into their loans. I continue to be put off by compass with them closing requests to look into it and the research team not doing so. My concern is that my account will continue to gain interest and will require that I make a payment on the account when I have not had possession of the vehicle in over XXXX days, thus affecting my credit. I have a bill of sale and copy of the original misplaced cashiers check. The purchaser is paying on a loan that had not been cleared, and is unable to Register her vehicle as they do not have the title. At this point, I am unable to assist any further in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Many months ago I was contacted By " XXXX '' whom are taking actions by suing me for debts I can not pay. I had agreed to settle on a payment plan which was going well until I lost my job and was not able to continue to payment plan. I found out XXXX XXXX XXXX and XXXX were order to cease business operations due to unethical business practice. Being the only working provider in the household is quite hard to keep the lights on. I work XXXX jobs and ca n't afford to keep current on many other expenses that are coming due. I came to found out that " XXXX XXXX XXXX and Associates '' is now operating under " Cooling and Winter, LLC '' whom are now continue to sue me and threaten to seize/ garnish my wages and will continue to do so until I have nothing left. My wife and I have attempted to contact them regarding my situation and they still do not care of what financial troubles we are experiencing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-11-27
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package to Frederick J Hanna & Associates. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX Frederick Hanna sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX, XXXX, XXXX and XXXX as contained on my consumer credit profile at XXXX XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the XXXX Financial Services in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. XXXX  has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed.

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/XXXX I reported that Carrington Mortgage placed on my credit report that my mortgage loan ( XXXX ) was discharged under bankruptcy. I stated and explained to XXXX XXXX, Customer Advocate for Carrington MS , that my mortgage with them was never placed under chXXXX or any other bankruptcy relief. We spoke on the phone and she said that this information will be taken off. When I later checked it had been corrected. Today, XXXX XXXX, XXXX, I was looking at my report and see that this bankruptcy discharge information has been placed back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : Case number : XXXX NOTE : See attached hazard insurance payments ( 2 ) from XXXX. 
The attached PDF file with the cancelled checks from the hazard insurance company shows that there were two payments to XXXX XXXX XXXX to completely pay the insurance in full. The annual premium was {$1900.00}. XXXX XXXX received the first payment on XXXX/XXXX/XXXX in the amount of {$1300.00}, and the second payment received on XXXX/XXXX/XXXX in the amount of {$550.00} totaling {$1900.00}. The mortgage was sold from XXXX XXXX to Loan Care on XXXX XXXX, XXXX several months after the Hazard insurance was paid in full and all monthly statements and final escrow statements from XXXX for the XXXX transition was paid in full and in good standing. 

Loan Care 's response to case number XXXX dated XXXX XXXX XXXX obviously did not review their own documents they attached to the response of the original complaint. The transition documents from the seller ( XXXX XXXX ) and the Buyer ( Loan Care ) shows there was no escrow shortage in the account and all escrow was paid and up to date. THERE WAS NO ADDITIONAL OR DUPLICATE PAYMENTS IN EXCESS OF THE PREMIUM AMOUNT AS THEY ARE STATING IN THEIR XXXX/XXXX/XXXX CFPB RESPONSE ( Case number : XXXX ). 

Within the last couple months, I unfortunately paid what was suppose to be the shortage with Loan Care on XXXX/XXXX/XXXX in the amount of {$460.00} that I want refunded to me as soon as possible.

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 2016-08-30
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX tax exempt veteran, I along with the City of XXXX have submitted the proper documentation to the Loan Company on more than one occasion, and they have yet to properly adjust my mortgage payments. The taxes stopped coming out in XX/XX/XXXX or XX/XX/2016, I received a refund from the Loan Company, and the XXXX. Then in XX/XX/XXXX the Loan Company paid a tax disbursement to the City on my behalf for the XXXX and XXXX Quarters, and resumed having my mortgage reflect the taxable amount. I have called LoanCare on more than one occasion, and I keep being told that it will be taken care of. That I will receive a refund, and my account will properly adjusted. Another month is passing, and it has not happened yet. When I called today, I was told to give it 10 business days, I explained that the last time I had called more than 3 weeks prior, I had been told the exact same thing, that it would be resolved in 10 business days. I am fed up with the handling of my loan, especially a VA Loan!!

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 2022-11-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
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:
According to the terms of the loan, the loan should show a status of forgiven ( or closed ) on my credit report. Citizens Bank has incorrectly reported the loan as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a loan with XXXX XXXX XXXX for at least 10 years. No problems I sent in my mortgage on time all insurance and taxes were paid on time. They sold my loan to this new company Seterus. I NEVER received a welcome package. The only way I was advised my loan had been transfered was that my check for my mortgage was returned by XXXX XXXX XXXX with a letter with this company XXXX who is now my new lender. Well by the time my check was returned my mortgage was late. I called the number given me and a person reassured me that my loan " was n't in the computer yet '' and I would not be charged any penalties for being late. I have called them back Thursday to check what the status was. and now 2 months have gone by. I finally was able to send a check in and get an account number. Then they ask you to fill out a form on-line, so I did so. I tried to get back into the account after I was e-mailed an important message that I needed to check on the Seterus website. I logged in and it has me logged out. I called and luckily I punched the correct numbers ( the call center is just a bunch of recordings and if you punch XXXX it knocks you off the phone. ) I had been locked out of the account because I am not the account holder my deceseased husband is. Well my husband died 4 years ago, XXXX XXXX XXXX was informed of this and my mortgage was paid on time every month. I need some kind of help because they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services in XXXX of 2015. According to them I started out a month behind in payments. I had paid every month they sent statement and tried calling customer service to discuss this but got nowhere. They offered to take a partial payment by check as the website would only allow a payment in the amount of two months XXXX, however there was a fee to do this. I then mailed a check to them and in the meantime started receiving certified letters of Intent to foreclose on our house. Even if they are correct we are only about 3 weeks behind on XXXX payment this is so ridiculous. We looked into this new mortgage company and were horrified to see what had happened to other people, they had lost their homes in a matter of months with this company. We paid the extra month they said we owed just to avoid ruining our credit and losing the property and the day we paid I received a statement in the mail informing us they were raising out monthly payment by {$210.00} explained only as other in the payment breakdown. I ca n't afford that and there is no reason for it. The escrow is currently {$510.00} a month which is {$6100.00} a year. The projected annual escrow payments are only {$5600.00} a year. The amount of yearly escrow? now if that 's even whee its going will be {$8700.00} per year. They do not need to pad the escrow with an extra {$3000.00}. We are very afraid that we will lose this property and need to know what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My credit report is showing a public record XXXX. However, I am unaware of the record dated for XXXX XXXX, 2014 and Equifax has failed to report the source of their information for this judgment. All of which is a violation of the FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: NCC Business Services, Inc.
State: FL
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:
My and my ex girlfriend had a lease in XX/XX/XXXX to XX/XX/XXXX at XXXX. We fulfilled a year lease around XX/XX/XXXX and was on a month to month basis. We moved in XX/XX/XXXX a week early. Since we paid rent before the month.now they claim we broke the lease which we never had. Reported XXXX different balances to ncc {$1400.00} and {$500.00} Ncc was n't provided our lease by XXXX but reported these amounts on my credit report. Since I moved XXXX has n't contacted me about this issue. This has happened to a few other people who has rented there.

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 2022-11-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a collection letter. After googling the name of the company that claims that I owe them for medical services, it appears this company is located in Fl, which I 've never been to. In addition, it appears they 're a XXXX office, I do not have children. On XX/XX/XXXX I replied to their XXXX requesting information on the services im being charged for including date and place. On XX/XX/XXXX I received a 2nd letter, which is the same as the 1st one. On XX/XX/XXXX, I called the XXXX and in order to verified the acct or provide any info they requested my ss # and birthdate information which I refused to provide. I spoke to a rep name XXXX. I checked my credit report with all XXXX bureaus, and it shows XXXX collections. Please investigate, as I am 100 % sure this is just a scam.

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