BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
ten years ago took out a second loan on my house filed bankrupcy 3 yra later tryed to refie wes told didnt owe second stoped paying it. six mounths later was sent late notice i now spent 2 years trying to find out if i realy owed it

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 2020-01-07
Company: JPMORGAN CHASE & CO.
State: AL
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:
Chase is reporting a fraudulent credit card that I never applied for under and address that I have never lived at. 

The listed address is an address for a business in which my credit report incorrectly also claims that I was employed by. Obviously, this isn't even a residential address so I could not live there so I don't even know why a card was given anyway. 

Furthermore, why would someone grant a card to someone in which their residential address is plainly the same as the company they were employed by? 


This account is not mine and this address is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: MD
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:
On numerous occasions I have attempted to fix my issues with the three credit bureaus, however, my issues have yet to be fixed. An account with the name of XXXX is reporting on my credit report, however, this account is in violation of 15usc 1681e-d. I have also requested that this account provide me with an agreement in which I have with them to no avail. This company has not provided the authorized agreement creating the debt which is required to collect on a debt per 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt. There is also an account on my credit report in collections that has no information except a balance. I have no idea what it is and neither does the credit bureau and I would lie it removed immediately, thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MI
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:
XXXX and equifax has refused to take car loan off my credit report after I have proved it was fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previously submitted a complaint about the same issue. Caliber Home loans were XXXX for taxes and insurance when the loan was set up without XXXX. I received an email both from Caliber & CFPB stating the situation was resolved ... and they are no longer escrowing - but now they won't refund the {$9200.00} they have already collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: N.A.R., Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This was already deleted from exquifax, with your help. Today is appears it has resurfaced to my equifax report and this is inaccurate. I have contacted XXXX again in the XXXX dept and spoke with " XXXX '' to have this removed but this seems to keep re-appearing? please make sure this account is deleted from all XXXX credit bureaus ( right now is appears as foreclosure on equifax ) I was also never late with this account as I was in a loan modification and the company refused my payment. -- HOW CAN I BE LATE?? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working with US Bank to bring my account current. I applied for HAMP but was given a Formal Forbearnce which I could not afford. I made the first payment and could not make the second payment. The bank rep in error accepted my regular monthly payment and did not advise me of the consquences. I have appealed and was told in writing to reapply. I did so on the XXXX of this month with the paperwork they sent me and faxed in to the number, Yesterday I called to see what type of payment I should make and was told my application was not accepted because the former file was not closed out. When I told XXXX XXXX I was following the instructions of the letter dated XXXX/XXXX/16 from US Bank she was uncooperative and accused me of being rude which I was not when I stated I was following the instructions given to me in the letter

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 2020-08-08
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX we were double charged our mortgage so we called the company ( Amerihome ) early XXXX and asked that the second payment be put back into our account, the Amerihome Mortgage representative stated that it would be in our account in a week, we waited a week in a half and our money was not returned. We called them again, the next representative said that the first one that was filed was incorrectly filed and that the money will be in our account in just a few days. We waited and nothing, so we called again. They said they could just transfer the money over for the next month ( XXXX ) payment, we said that was fine so we wont be charged in XXXX and they said yes and that the auto payment would not come out. On XX/XX/XXXX another mortgage payment came out of our account. I immediately called them and they said it would be a week before they could put the money back in. I said that was unacceptable and it needs to be put back now. They then couldnt get ahold of a supervisor to help with this so I had to wait another 24 hours for a supervisor to call back. We then filed a complaint with the XXXX and we received a call later that day from AmeriHome Office of the President. They said they were escalating it and that it would take a week, again, for the money to be returned. I told them this is unacceptable and they need to put the money back into our account that was unauthorized to be taken out. I spoke to the representative the next day and the entire day they did not have an update. So we are now almost a month in a half without ever receiving our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted several times within the last 2 months from some XXXX person about i won so much money my XXXX this call was similar I also spoke with XXXX XXXX and XXXX XXXX who was very rude while I was trying to collect information about this bogus account XXXX XXXX even referred to me as a female quite a few times they ca n't inform me the number to the place they claim I own I also asked them to produce something I signed saying I would pay them here is the information I did obtain hope this helps Credit control llc XXXX $ XXXX XXXX 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 explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

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 2020-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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 disputed transection with XXXX for XXXX Dollar on month of XX/XX/2019. XXXX promised refund but since it took very long time and every time I was contacting XXXX it was just promise of refund but was not refunding so I made a complaint to Atorney General of Alabama state and iput a claim through Bank of America. BOA refunded XXXX dollar after dispute XXXX and when got fund from XXXX on XX/XX/XXXX after 2 months from my request for refund which was a very long wait. I received a letter from XXXX attorney office and XXXX had apologized for a long wait and had said that money is refunded through dispute by BOA and had issued a XXXX dollar gift card. Bank sent me a letter that matter is resolved thenafter. Yesterday I got another msg from BOA asking for more information about claim which I sent response of XXXX to them. I was told today by BOA THAT I HAVE TO PAY XXXX DOLLAR AND THIS AMOUNT ADDED TO MY CREDIT WHICH MADE ME VERY UPSET. XXXX XXXX SAYS MONEY IS REFUNDED AND BANK ONCE TOLD ME MATTER RESOLVED THEN WHY TO HARASS ME AGAIN. I AM HARASSED MORE THAN 3 MONTHS FOR THIS REQUEST FOR REFUND. This is FRAUD BY BANK AND HARRASING ME AND MUST GET INVESTGATED AND STOP. BANK CAN NOT TAKE XXXX DOLLAR FROM ME WHEN MERCHANT HAS ALREADY REFUNDED THE MONEY. below is explanation of incident with XXXX : I ORDERED A CELLPHONE WITH SERVICE PLAN ONLINE FROM XXXX BUT ON THE DAY that I HAD TO PICK UP the cell phone from XXXX STORE, CHANGED MY MIND AND I PURCHASED OTHER 2 CELL PHONE WITH SERVICE PLAN ON STORE ON EXCHANGE With the cellphone i ordered online. I DID NOT EVEN SEE THE CELL PHONE I ORDERED ON LINE. THE MONEY THAT I HAD PAID ONLINE FOR XXXX XXXX WAS USED TOWARDS PAYMENT OF 2 NEW PHONES AND I ADDED XXXX DOLLAR ALL FROM MY CREDIT CARD. XXXX USED ONLINE MONEY I SPENT TOWARDS MY NEW PURCHASE BUT HAD NOT REFUND THE MONEY THAT ONLINE I PAID FOR SERVICE PLAN. SO I CONTACTED THEIR CUSTOMER SERVICE ON XXXX OC XXXX AND ALL 3 CELL PHONE SERVICE PLAN WAS CANCELLED AND I WAS TOLD THE PRICE OF 3 SERVICE CONTRACT IS XXXX DOLLAR AND IT WILL BE CREDITTED IN MY CREDIT CARD WHICH NEVER HAPPENED SO I FORWARDED COMPLAINT TO ATTORNEY GENERAL AND BOA.

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 2020-01-07
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Bought car at XXXX in XXXX CA XX/XX/19 finance company American Credit Acceptance interest rate 28 % I believe this is a violation of CA Usury Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know who XXXX XXXX XXXX is and I do not have an account with them. XXXX XXXX XXXX has been issued a cease and desist, request for certificate of assessment and request for a debt disclosure. Request was sent via certified mail - Receipt # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for XXXX XXXX and US Bank. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history

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 2015-07-01
Company: Creekside Recovery And Capital Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was called by a process server contracted by Creekside Recovery and Capital Management. The process server stated she was driving to the known residences of " XXXX XXXX '' to serve lawsuit-related documents. I told her I was not XXXX XXXX ; I am XXXX XXXX, his son. She gave me two addresses which she was going to ; these were prior addresses of mine. Neither of these addresses has ever been the address of my father and I told her that ; she said she did n't care. One of these addresses is the current address of my mother, who is divorced from my father. I was very concerned that this process server would show up at my mother 's house. I called the number given to me by the process server which is the number of Creekside Recovery and Capital Management. Creekside Recovery and Capital Management refused to identify themselves as Creekside Recovery and Capital Mangegment ; instead they used the term CRCM. They also refused to assure me they would double-check on whether the addresses they were sending a process server to were the appropriate address for XXXX XXXX. So they refused to assure me my mom would not be harassed at her home and they refused to assure me my former landlords would not be harassed at their homes. I have not lived with XXXX XXXX in over 10 years, have no connection to this matter, and believe I am entitled to assurance that no process server will be going to these addresses ( or at minimum that they would take some steps to double-check on where those addresses came from in their system XXXX. Furthermore, I believe it was inappropriate for them to identify themselves using an abbreviation when I asked them for the specific name of their company ; they used the same tactic when my mom spoke to them. In and of itself, this intentional misdirection concerning their identity is a form of harassment ; I had no way of knowing they were a real company and not a malicious group of scammers with private information about my family. Finally, they even threatened to sue me for calling them repeatedly to try to get their full name ; again I was only trying to get their full name to confirm they were a legitimate corporation so that I would not fear for our safety. I only found their name later using XXXX and it required multiple searches. Prior to finding their name I also submitted a complaint to the FTC with reference number XXXX do not talk with my father and do not want to be involved with him in any way ; that 's why this matter is disturbing to me. My mom also does not want any involvement with him or this matter but it has been imposed upon us by the aggressive tactics of CRCM and their contracted process server.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original bill from XXXX XXXX XXXX was for XXXX XXXX for my son. It was sent to my ex-husband, and I was not aware that it existed until it was sent to collections and popped up on my credit report in XXXX of XX/XX/2012 At that time, I contacted the collection agency to find out what this bill was for, as that was the XXXX time that I had been made aware of it. Because no one ever bothered to inform me that the bill existed, they gave me 30 days to pay the bill in full -- which I did -- and then they removed it from my credit report. I thought the issue was resolved at that time. 

Now, XXXX years later, it appears that the original collection agency sold the debt to a different collection agency ( XXXX XXXX XXXX ), who is now attempting to extort money out of me for a bill that I have already paid. They are telling me that I need to pay this bill in full within 30 days if I want it taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX and experian won't remove my fraud alert or freeze

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: First Data Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was awarded FAFSA ( XX/XX/XXXX was awarded Federal Work Study ) from XX/XX/XXXX, but instead of sending me a check I have to either choose a service between either a " Wolverine Card '' or Direct Deposit service provided by a company called XXXX ( XXXX ; the company ) ; XXXX does not issue checks. XXXX, both on their website and at the financial aid office, has authorized this company to release of these funds by my only XXXX options. 

XXXX explained I should have receive the funds BY XX/XX/XXXX but within XXXX business days from time of award letter. I did not understand the statement so asked for clarity. She explain, by example, that if I had been awarded on the XX/XX/XXXX then they have XXXX business days to deposit the funds, but if I was awarded on the XX/XX/XXXX then I would have to wait until the XX/XX/XXXX of XX/XX/XXXX. 

It has been well over XXXX business days so I called XXXX at their toll free number. The customer rep informed me of XXXX things : XXXX Unless I get a card from them they will not release the funds 5 days AFTER the XX/XX/XXXX ; XXXX That from his screen he was only permitted to view my deposit information ( invasion of privacy to give reps display of bank account router and account number ) ; and XXXX and if I wanted my funds before the XX/XX/XXXX I need to get the card. This is extortion similar to the banking practices of 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 explanation