BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-14
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was sent a bill and the provider was in between XXXX accounting systems, they billed me on both for copays over a period of time, after we worked together to resolve it and I paid what I owed, they eventually sent me a bill asking for the same copays again off and on over a period of 18 months or more. I told them it was paid and showed proof several times. 

Then they billed me for office visits in the beginning of the year which went against my deductible, which under normal circumstances I would owe BUT I LOST MY JOB because the doctor inadvertently put XXXX different dates for return to work on my XXXX and work forms. When I called to verify I explained and they still gave me the wrong date, hence I lost my job! So I had to go back in for a televideo appointment to explain to her what happened so she could write a letter and I could get unemployment. Why would I pay for that??? 

On another account for my daughter they billed the wrong insurance even though I gave them the correct information each visit. She had double coverage which would have covered it except they did n't even bill me or ask for the insurance information until XXXX or more years later! Which now the insurance refused to pay because of the late filing of the claim which was their fault. The office has inadequate employees who apparently are confused. 

This office has a long history of administrative mistakes, the debt is n't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was receiving calls from Allied Collections in XXXX, Mi for some outstanding medical bills. On XXXX XXXX, 2017 a settlement was reached for {$1300.00} to close all outstanding medical accounts. The amount was paid in full. Maybe two weeks later after my credit report was refreshed it showed the accounts closed, but NEW accounts were added from Allied Business Solutions ( same company ) all for the same exact dollar amount as the ones that were just paid off in the settlement. Unfair and deceiving business pratice plain and simple. This company operates under different names but are all the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote Experian on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of the law.

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 2023-08-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company Carrington Mortgage is violating my consumer protection rights. They charged the same account 5 times in the same day and then proceeded to report to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Autovest, L.L.C.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Took out an auto loan/truck repossessed in 2001/never heard anything else from these people/have applied for credit/had nothing ..literally nothing on my credit report/then about maybe a month..out of no where i received something where I owed them with all of this interest out of no where ... no other paperwork or anything/I recently had XXXX ... so was n't up to par and I guess I did n't respond in time then a couple weeks later a judgment was made ... we are talking XXXX YEARS LATER..there has to be statue of limitations here that have been violated ... I need help desperately ... and do n't know where to turn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was set up on automatic payment. The mortgage company made a mistake on our XX/XX/2016 automatic withdrawal. We received a notice dated XX/XX/2016 that our account was going into pre-foreclosure. We called the moment we received the notice and talked with a mortgage representative and cleared up the issue. We mad a payment over the phone to ensure the account was in good standing. They CONFIRMED on a recorded phone conversation that the issue would NOT be reported to the credit bureau. I learned today that they did in fact report it. I have a payment confirmation # and have requested that they reverse the reporting, yet they said it would take 10 days for their research to be performed. I see not reason or incentive for the mortgage company to admit that they made a mistake as it would be another black mark on their record. We have XXXX mortgages with this company have a 100 % perfect payment history other than this mistake on their end. Any support from CFPB would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card bill is typically due on the XX/XX/XXXX of the month. I paid my XXXX credit card bill for XX/XX/XXXX early ( in XX/XX/XXXX, after a XX/XX/XXXX bill was paid ). I was told that payment did not count towards my XX/XX/XXXX bill. I then was charged a late fee in XX/XX/XXXX. XXXX would not work with me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken Loans " allows " me to make bi weekly payments, but then states they do not apply them bi weekly to reduce the interest on my loan. This is at the least unethical and deceitful. I want my biweekly payments that they take automatically out of my checking account credited when I make them. My loan was taken out with biweekly payments as part of the conversation with my loan officer so I can pay the loan faster and keep the interest down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I will like to file a complaint regarding Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA . XXXX XXXX XXXX XXXX in the matter that they are reported unverifiable debt, I 'm not aware of who and when this account was open. I have asked the company twice in writing to verify the debt however they have failed to do. I also asked them to stop reporting this debt to the XXXX major credit bureau. They are not practice good lawful business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had previously set up an auto payment on my credit card ending in XXXX for {$3000.00} and then cancelled and changed it to {$500.00}. I got an email from Bank of America acknowledging the revised payment. On XX/XX/XXXX they took both the {$3000.00} and the {$500.00} from my account. I immediately called and advised them of the error, and they advised that they would refund my {$3000.00} once it posted in 2 to 4 business days. It is now the XXXX of XXXX and I still have not got my money back. I have called over ten times and been given the run around. My credit account has a XXXX balance and I still do not have my money back. I have had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an injustice that needs to be addressed. Please help me get my money back from Bank Of America.

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 2017-02-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX, I leased a Toyota XXXX from Toyota Financial. I swapped banks in the end of XXXX early XXXX to be more convenient banking closer to my work. XXXX payments i made were not credited by Toyota Finance at that time. They did clear my banks. For the last year plus I have been sending them the information from the banks where it shows cleared payments to TFS. On four separate occasions i faxed the info to them. I have XXXX missed payments on my credit report now because of this. Worse of all now it is time to purchase my lease and I had been dealing with TFS, they said it was resolved and gave me buyout quote. Took off work to make the purchase and then they told me they would not finance me, even with a co-signer, no matter what. Now the lease expires on the XXXX and i have to scramble to get financing and paid in time. There is a chance now my wife will lose her car and not be able to get the children to school and to her work as i work out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Aargon Agency, Inc.
State: CA
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:
LETTER WRITTEN TO AARGON AGENCY INC., I was previously placed in your office by XXXX XXXX. I had set up a payment plan XX/XX/XXXX, for bi-weekly payments. I called on XXXX/XXXX/XXXX at XXXX XXXX PST to have the payment for this date not withdrawn. The representative assured me that this would not be withdrawn. On XXXX/XXXX/XXXX, the payment was withdrawn. I then called again and spoke with XXXX, to have this refunded as well as all my payments. I never received a call so I assumed my refund was in place. I advised XXXX that this was an FDCPA violation if fraud on my account. Firstly, the representative lied to me ; secondly your company fraudulently withdrew the money still. Lastly, on XXXX/XXXX/XXXX I decided to see if the refund had been initiated. When I check my account an additional payment was withdrawn of {$50.00}. I spoke to XXXX again, and have been awaiting her phone call. These practices are unprofessional and I will be taking further action legally. One three different occasions FDCPA violations have taken place. I look forward to having your council contact me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Harley Davidson Financial Services Inc
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
( RE : Case Number XXXX, dated XX/XX/2016 ) Have attempted several times to access my account with the company in referenced case number. The error notice I get is " Your account is temporarily is unavailable. Please contact HDFS at extension X-XXX-XXXX. This is the same error notice I have received before and called. However, the recording stated the extensions had been changed to XXXX digits and to remain on the line. I was told there was a legal block on my account and after placing me on hold for a period of time, her response was she spoke with someone there but they were unable to speak to me or remove the block and stated she was having her manager speak to me. 

I 'm a pain, I admit it, but my identity data was stolen recently and I am trying to verify all current accounts ad advise creditors of recent events.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I financed my home with a local lender thinking support the community and of course the paper has been " sold '' at least XXXX. My mortgage now rests with Caliber Home Loans, XXXX. XXXX XXXX, XXXX, OH XXXX. I received an escrow analysis dated XXXX/XXXX/XX/XX/2015 which informed me of a shortage of {$2000.00} on XXXX/XXXX/XX/XX/2015 and my payments will increase from {$770.00}, which I have paid on time for the last XXXX months, to {$1000.00}. This is due to XXXX increase in premiums to {$3000.00}. I 've canceled XXXX on XXXX/XXXX/XX/XX/2015, expiration is XXXX/XXXX/XX/XX/2015, and changed insurance companies to XXXX starting XXXX/XXXX/XX/XX/2015. The premium is {$2000.00}. The principal and interest is {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Armor Systems Corporation
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A few weeks ago I checked my credit score and noticed an open account that I did n't recognize under the name " Armor Sys '' or something similar. A little googling resulted in me finding Armor Systems Collections so I figured I would give them a call. They found the account for {$170.00}, which is what my credit report showed as well. I asked for verification and also the company which reported it and they provided both. I called the original company that reported the debt and they have no record of me being a patient there ( it 's an XXXX I believe ). They were very suspicious of the charge and suggested I look into it as it sounded fraudulent. I do n't know what to do as calling Armor Systems Collections only results in them telling me I need to pay the debt plus interest and them putting me on hold for a long time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC Bank account # XXXX was opened XXXX XXXX, was paid late XXXX, XXXX, XXXX and XXXX of XXXX. 
HSBC Bank reported to XXXX on XXXX XXXX, XXXX that account would be deleted XXXX XXXX, that the account was only late between XXXX of XXXX and XXXX XXXX. 
That the current status was '' Foreclosure started '' as of XXXX XXXX. 
As of XXXX XXXX, XXXX, the account is still reported to Experian with the early late payment history DELETED. 
Effectively re-aging the account to report after the state of limitations. A violation of Fair Credit Reporting Act. 

The date of first delinquency is misreported and inaccurate. 
The payments marked OK 's or Paid on time for XXXX, XXXX, XXXX, XXXX of XXXX are all inaccurately reported. 
No payments were made on time in XXXX. A payment history was request from HSBC Bank over 6 months ago, with no response. 
Then in a XXXX XXXX, XXXX XXXX report, HSBC Bank reported account # XXXX is not deleted, as previous stated on the XXXX Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Allied Collection Services, Inc. (Nevada)
State: NC
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:
Hello, In regards to the Allied Collection Service report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of XXXX reporting inaccurate information under my name and social security number. I went thru 5 years of having a XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. XXXX! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD!

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 2015-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX companies that are calming that i have an outstanding close balance with XXXX that was for the same past due bill that was on my report and last year previously deleted off at the beginning of the year. 
XXXX company is XXXX XXXX XXXX, and the other XXXX is XXXX both have amounts of XXXX and XXXX ... I think the last company sold this account to a different creditors and they put it back on my credit report. under different names. 

can you please help me get this off my credit please

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Good Morning, I am reporting a creditor the XXXX XXXX XXXX because on Friday I went online to pull my credit report to look into purchasing a home in 2016 only to discover that this creditor has reported to the credit agency that my debt was essentially charged off and a written off on my credit report which is totally inaccurate. The debt in question has indeed received full payment and satisfied. The creditor I assume sold the debt to a debt collection agency who I had absolutely no contract with to collect the debt. I am requesting this debt be deleted off my credit report for inaccurate reporting and any funds I paid after the charge off date be refunded to me for the false information they have reported to the credit agency on all XXXX bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted to dispute this fraudulent XXXX XXXX XXXX account with Experian multiple times, and they refuse to remove it. This account does not belong to me. I am a victim of identity theft. I now have IN WRITING, a letter from the original creditor directly, stating this account was fraudulent and they have requested it be removed. The name on the account ISNT EVEN MINE!

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 2016-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Every time I try to submit an online dispute, the Experian system says " our system is down ''. My credit score dropped XXXX points over night from XXXX XXXX, 2016 to XXXX XXXX, 2016, and I 'm trying to find out why. Every person at Experian says they 're unable to tell me why my credit score decreased by XXXX points. Per my record, my overall credit utilization has decreased. Per my record, I have paid all my bills timely for a consistent period of time, Per my record, my outstanding balances on credit cards and installment payments have continued to decrease. Help me better understand why my credit score dropped over XXXX points and what justified that significant of a decrease. Because of what I believe to be an invalid entry of information, this is going to result in potentially lethal consequences for me, as I can not buy my XXXX medications. This issue must be resolved within 24 hours in order to avoid potentially adverse and potentially harmful impact human life since this adversely impacts my ability to obtain medication and other things for living.

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 2016-08-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Why does it feel like Experian is n't reading my letters I 've sent certified mail to them? 

Feels like no one is taking an interest as I have not gotten anything from them back as far as results are concerned and any investigation. 

Why do I have to spend so many countless hours on this? 

See attached.

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 2015-06-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.

Company response to consumer: Closed with explanation