BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied on line in XX/XX/XXXX Looking for a lower interest rate or 0 % for a few months it asking would want to do a balance transfer if I was approved. So I gave the information. It said I had been approved but never said the interest rate. Or anything else. I got kicked out of my home. So I never got the credit card to activate or decline the card. A month later the did the balance transfer without my permission. I called spoke to a supervisor names XXXX.Told him I did not want the card because the interest rate was w a y to high. He apoligisted said he would take care of the problem He said he would close the account and I would owe nothing. Now it 's showing on my credit report months later.

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 2016-02-17
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I switched cell phone providers in XXXX XXXX ; left XXXX after being with them for more than 10 years and moved to XXXX XXXX XXXX. In XXXX XXXX my online XXXX account was suspended. I received a bill in the mail from XXXX in XXXX XXXX providing the amount owed. I made a payment via check and mailed it to XXXX in XXXX XXXX. I got a letter from XXXX stating that I had access to my online XXXX account again. I went online to make another payment this week. The very next day I got a phone call from a debt collection agency. The caller stated that XXXX gave my account to debt collection agency. I am outraged. I am currently paying this bill, I have not failed to pay, I have paid online. XXXX gave no notice that the account would be going to debt collection. This is complete bullying by XXXX and they need to be held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This firm represents XXXX XXXX XXXX in a personal XXXX lawsuit. It was later determined, after correspondence mailed XXXX were never responded to, XXXX decided to simply turn their outstanding XXXX bill to CMRE Financial Services. On XXXX XXXX, 2015, this firm contacted and spoke to a " XXXX XXXX '' who repeatedly since XXXX XXXX, 2015, has indicated that our phone conversation was being recorded and that she would fax the bill so that the bill could be resolved at the time of settlement. To date, as of XXXX XXXX, 2015, XXXX XXXX refuses to submit the outstanding bill to this office despite receiving a HIPPA Compliant Medical Authorization for the release of medical records and " billing '' and a letter of representation signed by our client XXXX XXXX. The Account Number is XXXX and after this communication with your establishment, we will be filing a Complaint with the FTC. Her direct line is XXXX ; XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: CMRE Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received written notification of the debt when I found the debt on my credit bureau I found that they had reported the account to the credit bureau twice effecting my credit score as well as my wife.

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 2017-10-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield and associates of XXXX, Colorado, has been attempting to collect a debt from me for one year. I have never received proof of the debt in writing They have called me multiple times during the day and evening. They have argued with me and have said they do not need to send paper proof of debts. The collection reported on my credit report does not match the amount they are seeking.

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 2017-03-18
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved from XXXX to XXXX in XX/XX/XXXX. My old cell phone company at the time ( XXXX ) did n't work at my new home, so we reached an agreement to quit my service so I could switch to a cell phone provider that works. Since XX/XX/XXXX I 've had XXXX, just passing my 6 year anniversary with the company in XX/XX/XXXX. In XX/XX/XXXX Convergent Outsourcing Inc which I believe to be located at Convergent Outsourcing , Inc . 
XXXX, XXXX, XXXX, AZ XXXX, placed a collection in my account representing XXXX for {$520.00}. This practice of placing a false debt on someone 's credit reports is illegal. Even more illegal is misrepresenting the time period of account in question. The collection account in question has been placed on my XXXX and XXXX credit reports and has no representation of my credit worthiness, and I 'm now stuck with a sub par credit score and one of the worst possible statuses on a credit report. Because the collection is so recent, it factors deeply into my credit score and has caused me a burden of applying for credit in the future. 

This account needs removed from both credit reports as it is false debt that has been misrepresented by this company. 

I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. 
On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. 
On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. 
On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. 
Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. 
We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. 
XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. 
XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. 
This company feels fraudulent and I feel like I have no recourse. Please help! thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EMBRACE HOME LOANS
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage company ( Embrace Home Loans ) keeps transferring my loan to different companies for servicing. Their latest company is XXXX. However, after receiving the notice of transfer I still can not pay my mortgage or log into the provided website to check my balance. Also, the the XXXX customer service number is not working. 
The phone number for Embrace Loans is XXXX extension XXXX for the President XXXX XXXX. I 've called Embrace, XXXX, and XXXX and nobody can help me. Also, all the customer service people are located in 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 2022-10-25
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Wilber and Associates, P.C.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call from a ladys starting she is a attorney representing XXXX XXXX, and that she is needing my Checking/Routing numbers saying that she needs to take money from a checking account. She then started I could continue to make my agree 'd payments of {$50.00} for 3 more months, and that I would have to pay {$100.00} payments after that. She then threatened to take my license, or have it suspended if I did not start making {$100.00} payments. 

They are using illegal practices for collection as started in the Fair Debt Collection Practices Act

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NV
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:
INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2017-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account that is showing in collection status for a former debt owed to HSBC XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender HSBC.

I dont owe the bill twice and ask that the HSBC showing as collections from another law firm for HSBC be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this HSBC bank was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Carma Enterprises Inc
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX been told multiply times not to call my job cause I can get terminated..they were told this in middle of XXXX..told this on XXXX XXXX and again on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I began gender transition, and changed my name, my bank began becoming more hostile to talking to me on the phone. They told me I did n't sound like a [ my name ], and would become upset with me. When I tried to get to the identity verification process, they asked me to email them court orders, drivers licences, social security cards, and I have done all of this, and they have sent me a token ( like an RSA token ), but they forward me every time I call them to an extension that drops the call. 

I have been unable to access my bank account via my phone or via my computer login now for over a year because they view me as being " suspicious. '' The only way I am able to access the money in my account is with my debit card and with direct deposit into that account. I only assume that purchases work. 

This bank does not have local branches so I can not walk into a branch and show that I am who I say I am. 

Compounded by this, I used this bank for my auto and renter 's insurance. I no longer have access to any of this, which I accessed through the app on my phone, and all of the above has lapsed, and I can not verify who I am on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015, my house XXXX flooded. When I received the disbursements from the insurance company, I sent the checks with copies of the Proof of Loss and the contractor 's estimate to USAA XXXX our mortgage company ) and waited for the check. 

On Friday, XXXX XXXX, XXXX, I called and asked the status of the first disbursement for the contractor and was told that my information has been received and input on XXXX XXXX, and it would take 5-7 business days to send the check. 

I called back Friday, XXXX XXXX, XXXX and was told the 5-7 business days was for processing time and that the check would be mailed in 24-48 hours. 

I called back on Wednesday, XXXX XXXX, XXXX and was told my packet was missing the Proof of Loss from the insurance company and the contractor 's estimate and that nothing could be done until they were received. I was given an email address to send electronic copies to and sent that email XXXX. 

I called back Thursday, XXXX XXXX, XXXX and was told that it would take 24-48 hours to input the documents and that the check would be sent after that. 

I called back Monday, XXXX XXXX, XXXX and was told everything was cleared and that the check would be going out. 

I called back Tuesday, XXXX XXXX, XXXX to insure the check had been mailed and was told it had just been released and would be mailed on Thursday, XXXX XXXX. 

I called back Thursday, XXXX XXXX XXXX and was told that my file was missing the contractor 's estimate. I asked to speak with a supervisor who looked in my file and said she saw something from the contractor that said how much the repairs were going to cost. 

Regardless of whether the contractor 's estimate is actually in their possession XXXX the number she quoted off it made it clear it is XXXX, the fact that they have repeatedly told me that the check is going to mail soon and then continually delaying the process is entirely unacceptable. Losing paperwork on multiple occasions smacks of willful negligence. USAA purports to serve service members and veterans, that I and my family has been treated so poorly is beyond my comprehension.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: PROVIDENT FUNDING ASSOCIATES
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
addition to complaint XXXX Provident is now asking for duplicate documents, typo correction from insurance company on documents they have had for weeks, wife 's professional licencse ( even though two years complete XXXX 's provided as well as employment verification through the state of FL ) and now want us to execute a new sales contract extending the closing date past XXXX/XXXX/16 even though contract already has a built in extension for compliance with CFPB rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied to USAA for a re finance, the original company supplying me the loan was XXXX XXXX. I notarize and sent all necessary paperwork to USAA as soon as I was able. I was informed around a week and a half ago that a check had not been sent to XXXX as of that day and there was some confusion regarding the payoff amount for the loan. I ensured that the representative had the correct payoff amount for the check and assumed everything was fine. I received a call today, XXXX XXXX, 2017 from XXXX XXXX, informing me that they still have not received a check. I am now 29 days " past due '' according to XXXX XXXX and still waiting for the payoff check to make it to XXXX. I have {$100.00} to pay XXXX because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX Denied employment and credit Checked Experian has wrong information I have never notifired of any collection nor do i owe anyone home or car! 
Collection item from XXXX in a small SC town.

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 2017-10-11
Company: Western Portfolio Assets
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A family member 's phone number was called by a man named XXXX XXXX who said he worked for XXXX XXXX XXXX and at first said they needed to speak with me or to my attorney in a message on their answering machine. When I was played the message, I contacted them after doing a web search of the phone number to discover they 've been harassing other people into paying old debt that has gone past the statute of limitations, supposedly scamming them, and even gone to the length of harassing people just because they have similar names with people who incurred debt. I even listened to some of what they had to say and did not recognize names of any companies or addresses but the year they named being 2006 of when the debt began. That would make it well over 10 years for whoever incurred it and that goes beyond the fair debt collection practices of 7 years which would make it time barred. I feel sorry for the people they 're still seeking to do that to, there are laws in place meant to protect the consumers after so many years have went by and this creditor is violating those laws.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-15
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a loan through The Money Source in XXXX XXXX for a primary residence. In XXXX they sent me a letter stating that there was an escrow shortfall. I had to come up with another XXXX to cover the shortfall and even with this additional money my mortgage payments increased by ~ {$500.00}. In the meantime I was granted a 5 year property tax abatement by my township which effectively reduced my mortgage payments by ~35 %. I just received another letter from The Money Source stating that I had another escrow shortfall. They have now instructed me to pay another {$2400.00} and that my mortgage will increase, yet again, by another {$400.00}. I then went to the tax office in my township and requested a copy of the property taxes I paid last year. When I called the representative who handled my case back in XXXX, we went through the numbers and there is some mysterious amount of over {$7000.00} that is listed as an " actual '' payment that does not match up in any way with the document I received from the township. The statement The Money Source sent is very confusing and has " actual '' payments and disbursements listed. What 's the difference? Either they are guilty of gross negligence in calculating my property taxes not once, not twice, but three times ( because they also got it wrong prior to my closing ) or they are a predatory lender. The way the conversation ended was I was told that I had to pay the new mortgage amount, which now represents an ~ {$900.00} increase from the amount I was originally quoted I would have to pay, by XXXX XXXX. The statement I received is dated XXXX/XXXX/XXXX but I just received it today, XXXX/XXXX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation