BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on our mortgage with Prime Lending in XXXX of 2014. We knew that our taxes would go up a little bit because we bought a brand new home. We were told it would be about {$200.00} a month, since that can easily be figured out based on value of the home and town tax rates, I did n't think about it too much. Fourteen months after purchasing our home, we called to pay our mortgage to find out we owed {$800.00} more per month. We were told not to worry it would only be like that for 2 months, that we just had to pay the deficit from our taxes being reassessed. Well, two months later it changed again all right, up {$200.00} more. We were then told that the town reassessed our taxes immediately after the sale but that Prime Lending did n't catch it until 13 payments later. For the last 14 months, we have paid a thousand dollars more towards our mortgage than we signed up to do. My husband and I have called countless times and no one can answer our questions. Generally, I know more than they do about how mortgages and taxes work. The last phone call I was told " oh, well maybe in XXXX it will be better. '' Maybe? Today, I looked and they are actually refunding us money for escrow overage but our payment remains the same. I am completely at a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested verification of this debt from this collection agency all they did was send me another collection letter stating that I owe them {$1100.00} This company put a collection on all 3 of my credit reports without verifying or proving that I owe this debt. This company has failed to send me any documents stating that I Owe this debt. Its not a surprise that ARS has an F rating with the XXXX XXXX XXXX  because their a company that's practicing illegal practices. If I did Owe anything it was never to Account Resolution Services! I never had a contractual agreement with this company. Collection Agencies buy debt as an investment which is Unjust Enrichment. If This is my debt please Validate that this is indeed my Debt Show me proper documents proving that I Owe Account Resolution Services {$1100.00}. Account Resolution Services are denying Me and millions of other consumers validation of debt requests. ARS are in Violation of Fair Debt Collection Practices Act. The FDCPA supports my right to demand a Validation of debt, Documentary proof that I owe exactly what ARS is claiming i owe. Please delete this inaccurate misleading collection off of all 3 of my credit reports.

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 2016-08-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IC Systems have been calling up to 4-5 times a day from various different numbers with the XXXX area code. It is very annoying and way too many times to call. They have n't left a voice message therefore I could n't call them back with knowledge of what exactly they are calling about. I want them to stop calling because the debt they are calling about is n't even current or correct.

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 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This information reporting is very misleading. The information is all over the places and does not match up. I want this information remove at the earliest possible time

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 2020-12-21
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX  ( yes, now i'm being transparent, tired of the XXXX  ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : XXXX  been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a XXXX XXXX NOT A XXXX RESIDENT , lets get this XXXX  together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX   corrected. 

ADDRESSED : XXXX  I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX  XXXX XXXX account OFF MY CREDIT REPORT all year around also just like Experian did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : EXPERIAN once again for the 11th time, correct the late payments on the XXXX XXXX  XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now

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 2015-03-30
Company: I.C. System, Inc.
State: GA
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 am applying to buy a house, when I checked my credit report I noticed that there was a recently placed collection agency debt from 2013. I called XXXX XXXX XXXX because that is where the debt is from and they told me to call the collection agency because they did not have my account number on file. 

When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name. 

They refuse to admit to the mistake and contact the bureau regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a past due debt with Synchrony Bank. Synchrony Bank sold the debt to a third party in XXXX of 2017 and reported it to the CRAs as a " Charge Off ''. Despite having sold the debt, Synchrony Bank continues to this day to report a " balance '' owed with the CRAs. My understanding is that pursuant to the Credit Reporting rules, once a debt is sold to a third party, the original creditor must report the balance as XXXX. Nevertheless, for over 3 years since Synchrony Bank sold the debt to a third party, they continue reporting the " charge off '' debt with a balance owed every single month. The balance should be XXXX since they sold it. I notified them multiple times and they refuse to comply. 

Keep in mind that the third party who Synchrony Bank sold the debt to also reported it on my credit and also sued me for the balance. I ended up settling that debt out of court. Nevertheless, due to Synchrony 's refusal to report the balance as XXXX  since they sold the debt, it now looks like I owe double the debt. This is wrong. 

Also note that I had a friend contact their attorneys and they wont even respond.

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 2016-04-28
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had mailed our mortgage payment well over two weeks prior to the due date. However they never cashed the check so we called and made a payment plus the fee for paying over the phone. Because they had not recieved the check. However the next day they cashed our check. When we called them and asked why this happened they said that it was in pending when we had called yesterday. We requested that we get a refund for one of the payments we have bills that need to be paid. They said they can refund it it with a written request. So we faxed the request immediately over and were expecting to recieve our refund in 3 to 5 buisness days. We never recieved a check. Now our mortgage is due again we called asking when our check would come in mail because we are mailing the XXXX 2016 check today. They responded that the extra payment was applied to principal that they never recieved our written request. Yet our fax machine sends a confirmation when a fax goes through. Now we also found out that they have not been sending the appropriate amount due it was not showing the money needes in escrow. The ethics of this company does not seem to exist. Sadly we are only on month two of our 30 year loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We discharged A Mortgage in a Bankruptcy in 2007 with PHH Mortgage in 2007. We never reaffirmed the Mortgage. The Mortgage company has placed an adverse action after 5 years later on my credit when they proceeded on a short sale to dispose of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2016-05-02
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received written notice of this debt from the company and never got the opportunity to dispute or validate the debt within the 30 day grace period. The collection account never showed up on my credit report as well, yet now they are charging me for legal fees for a court summons, but I have yet to see any paperwork for the court summons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive notification from the debt collector ALLIED COLLECTION SERVICE for a bill from XXXX. This was placed on my credit report without my knowledge or ability to pay before it was reported. I just received my first communication with a debt collector, XXXX XXXX, XXXX XXXX XXXX XXXX, on XXXX/XXXX/16. They stated that this debt had not been reported to any credit agency and was not on my credit report. ( I settled the account and paid it in full on XXXX/XXXX/16 with 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 2017-09-26
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Took a loan out with XXXX XXXX for XXXX that 's what they gave me. Never thought it would cost me XXXX, XXXX I would pay double not triple. Is this legal, I want to pay my money and interest, just seems crazy. I was desperate and could n't pay my electric. What can I do, is this legal?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: FC HoldCo LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report randomly and noticed that I had a collection account on my credit report from Flagship Credit Acceptance. I did further research to identify it and ended up sending them a letter stating that information is incorrect and does not belong to me and requested some type of documentation showing my signature or any type of additional documentation. I received a letter back from them with a contract and first thing I noticed was the name. The contract belongs to a XXXX XXXX XXXX that lived or lives in XXXX Texas, and shows a car a XXXX XXXX XXXX being purchased from XXXX XXXX on XX/XX/XXXX. I sent a letter back stating that contract does not belong to me, and went into details about that being someone else. I also included a copy of my social security card and my drivers license as supporting documentation on my behalf. Flagship sent back a letter claiming the debt was mines and sent me an itemized list with the same information as the previous contract that claimed was mines. Ive tried over the last two months to resolve this issue and have been unsuccessful. It is affect me my credit badly and affecting me from using my VA home loan to purchase a home and even get approved for many different things, since its a negative mark on my credit shows me owing XXXX to flagship. Ive exhausted all my means trying to show and explain the debt on my report is not mines. I have attached the contact they sent to me. Ive also attached the itemized bill and the letter I sent to them.

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 2015-11-12
Company: Municipal Collections Services, Inc.
State: IL
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 was issued a ticket in error in XXXX of 2015. The head of the Building Department sent me an email stating that he would take care of the issue. I received a letter from Municipal Collection Services in XXXX of 2015. I wrote them a letter with a copy of the email from XXXX XXXX. They still place the collection on my credit report reducing my score from XXXX to XXXX. Please fine this collection agency and the City of XXXX XXXX for their carelessness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance XX/XX/2016 through Guaranteed Rate. They said I was pre qualified for a XXXX refinance. They just needed {$400.00} for appraisal. I was told I was to receive the report same day they received it from appraisal company. That was almost a Month ago. I reached out today about the delay. My mortgage broker said they were n't moving on with the mortgage. Houses in my area are selling between {$300000.00} and {$400000.00}. I told her if she was pulling out of the deal and still had n't provided me with the report, I wanted my {$400.00} back. Her response was they had n't charged me for anything. So, now I am really confused. Most recent email stated " per my request, my mortgage application was closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NC
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:
In XXXX is when I first tried to purchase a house when I was told by a loan officer that I had fraud alerts on my account. I had no idea what that was and stopped trying to buy a home. I later checked online and seen I was part of a security breech with Equifax and entered my information for a settlement and never heard back. Fast forward to XXXX I tried my luck again to purchase a home for my family and I could not obtain my free annual credit report. None of my security answers were correct and I could not speak to anyone. I mailed in my picture Id, social security card, proof of residence, and a letter to prove my real identity. I asked that if I could please access my Equifax, check for errors, and also remove at least 2 accounts I had paid at the time ( now 3 ). I sent receipts and contact information of the paid creditors I needed removed in the process. All these years I could only go by XXXX XXXX and free sites because I had no other way to see the activity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I was a customer from American Express since XXXX when I was selected to become a cardholder of a green card American Espress ; I started using the card during XXXX and unfortunately due to an economical issues I overdraft the card, after XX/XX/XXXX I stared get in contact with all the banks I had issues with to try to make an arrangement in my payments, but this credit card did not want to send me a statement, did not provide me my whole account number either replace my plastic ( I moved at the end of XXXX and lost some of my belongings during that procedure ), when I let them know what happened they denied me all my banking information and finally received a statement ( which I requested ) with the amount of XXXX dollars which I paid with a check and sent them by XX/XX/XXXX and by XX/XX/XXXX I received and email from AMEX saying they had received my payment, after that I called and cancelled my credit card and even wrote a lletter to them saying that I did not want to have any business with them anymore in order that my experience with them was just simply terrible. Now 2 years later I received a phone call from AMEX claiming a payment of the amont mentioned avobe and the representative asked me when I was willing to pay them the amount that I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In the middle of XX/XX/2020, I attempted to log into my account with Coinbase. It would not accept my password so I attempted to reset it. I had used my work email to set up the account, and since then, my company rebranded and changed out work email. This created an issue where I was not able to get the auto email sent to resent my password ( even though I had not changed my password and still have it ). I was unable to get ahold of Coinbase for assistance for 2 weeks. I ended up using the phone service to lock my account in an attempt to get someone to contact me. Finally on XX/XX/XXXX they did. They told me that I would need to create a new account, verify it, and then they would tranfer my balance to the new account once verrified. I followed all steps, going back and forth with them via email, to take care of all the tasks they asked of me. Once I had my account setup and verified, I never heard from them again. The last email i got from them was the XXXX of XXXX. I sent them an email on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today the XXXX. I have yet to recieve a response. They were once very responsive but as soon as I had completed the steps they wanted me to take, I have yet to hear back despite my attemps to contact them. All I want is for them to finish what they promised to do and transfer my blanace to my new account so that I have access to what is rightfully mine.

Company response to consumer: Closed with explanation