BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received a bill for this charge. Also I do n't remember going to this business for services. I need more information regarding this debt. This is quite confusing to me. I believe it 's a mistake on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to re-sell their account to collection agencies to damage my credit for services not validated. They have been deleted twice from my credit report and now they are Sending defaming information on old debt that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I HAD A ACCOUNT WITH USAA MY ACCOUNT WAS COMPROMISED BY A 3 RD PARTY XXXX. I WAS TRYING TO GET A LOAN WITH THEM. I HAD TO GIVE THEM MY INFORMATION TO VERIFY MY ACCOUNT, THEY PUT IN XXXX DOLLARS IN MY ACCOUNT AND USAA PUT THAT MONEY ON HOLD. WHEN I CONTACTED THE FRAUD DEPARTMENT THEY REMOVED ME FROM SEEING ACCOUNT SO THEY CAN FIX IT AND CORRECT NOW THEY GIVE THAT MONEY THAT WAS ON HOLD BACK TO XXXX XXXX AND CHARGE OFF MY ACCOUNT XXXX DOLLARS. THAT MONEY ON HOLD SHOULD HAVE CLEARS UP ACCOUNT TO XXXX BALANCE. PLEASE MAKE THEM DO THERE JOB AND CLEAR THIS ACCOUNT UP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Convergent Resources, Inc.
State: MN
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 recently ran my credit report and found a collection item on it from convergent outsourcing in the amount of ~ {$400.00}. They said it was from XXXX, however, I currently have my cell phone account with XXXX and have had the same accoutn since 1997. I called XXXX and they said my account is current and they show not past due debts that are owed. I want Convergent to remove this from my credit report and leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from XXXX to Statebridge. I have tried to call Statebridge many times with no avail. Statebridge is impossible to get ahold of. I have left several messages, but have only received one call back. I do n't receive correct statements, nor do I receive them on time. They are charging me late fees and my payments are not late. I need help to get this problem resolved. I do n't know how this company can be in the mortgage servicing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I suffered a shoulder injury the beginning of the year, which limited mywork. I am a XXXX who is XXXX and use my XXXX for my job. I have private loans with Discover Financial andcontacted them via phone several times to see options. The responsewas that nothing could be done and I did n't qualify for deferral. Theythreated default and sending to collection. I have tried over the year topay what I could afford. Then my father passed in XX/XX/XXXX and I havebeen out of work. They have put the loan in default and are not giving oroffering any options for me to repay loan. I am not in a position to borrowfrom family given the recent events with my father 's passing. I amattempting to get back to work immediately and begin paying what I canafford. I am at a loss as to what my options are to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received a tax lien XXXX/XXXX/2011 against my credit. I proceeded to make payment and requested the IRS withdrawal the lien based on meeting at least XXXX of the criteria IRS Section XXXX ( XXXX ) which the IRS granted me a complete withdrawal on XXXX XXXX 2011. I proceeded to contest the XXXX bureaus with the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX document of which XXXX and XXXX deleted the derogatory public information Tax Lien. Equifax however refuses to delete the derogatory public information tax lien. They contest that is has been " Released '' however I contest that it should be completely " Withdrawn. '' I have recorded the withdrawal against my primary residence at that time XXXX XXXX XXXX XXXX XXXX Colorado XXXX. I have contested this on several occasions and Equifax continually refuses to delete this derogatory public record. I feel they are incorrect and this should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: American Coradius International LLC
State: NY
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:
American Coradius International LLC is presenting a false claim that I owe XXXX {$56.00}. There is a surplus in my XXXX account and no money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! 
WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. 
COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. 
THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There was a workers comp medical bill submitted to the XXXX ( workers comp insurance company ) back in XXXX. They somehow managed to mishandle that payment and I then received a collection notice in XXXX. I finally got ahold of XXXX and they apologized and promised to take care of it. After an entire year of trying to get this resolved XXXX swears the check is in the bank to the department of treasury as of monday. I submitted a dispute to Equifax showing that this was a workers comp bill and i was not responsible for this bill XXXX was. I also submitted copies of the emails back and forth from the military hospital and XXXX from XXXX, stating from XXXX they would handle the bill. I also sent Equifax copies of the emails from the last year showing XXXX apologizing for the mistake and promising to fix immediatley to prevent credit report damage. 
equifax then did thier investigation and said that department of the treasury verified the collection and they would not remove the negative information. Even though they have and acknowledged that this is a workers comp debt and they have the documentation showing the insurance was responsible. Equifax , after an hour on the phone even said that even though i sent them proof that i was not responsible for the debt, they will not remove the negative information because the " creditor says it is valid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
THIS COMPLAINT REPLACES Case number : XXXX : Credit bureau keeps reporting inaccuracies related to XXXX XXXX XXXX XXXX XXXX XXXX tradelines. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The student loans that are being reported ( XXXX ) are not late payments and should be removed. This bureau does not properly verify my credit report and whenever I called I could never speak with a representative. There are also multiple hard inquires that I did not authorize and are not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I co/signed for a car for my son in 2007 he and his wife left me with the payments that I could not make. The car was repossessed. The car agency called me after the repossession to inform me of what happened and asked me to make payments. The car was sold at auction but a {$10000.00} balance remained unpaid. This went on my credit and stayed on my credit for 7 years. I recently went to my credit union and they told me that the repossession has been reported again. It remains on my credit although its been over seven years. I am unable to use my credit due to this problem that will never go away. I am a senior on a fixed income who needs access to a good credit score, I pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are some inquires on my report that do not belong to me. I have fully viewed my report and there are XXXX total inquires that I did not authorized. There are listed below and also attached with the exact dates. 

1. XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX 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 2017-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continuesto claim they have verified a XXXX account, XXXX XXXX from XXXX XXXX XXXX From XXXX, XXXX XXXX XXXX from XXXX and I sued these companies and have a legal settlement from both that they 've requested the accounts removed. Experian refuses to comply.

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 2016-05-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
We received a credit report from Experion and it showed a judgement against us for {$190.00} from XXXX 2015. The judgement is from " XXXX XXXX ''. We have no idea what this is and feel it has been erroneously added to our credit report. Please investigate.

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 2017-02-28
Company: V and H Portfolio
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 was paid

Complaint:
Debt was previously paid until item was returned. Contract was with XXXX not Vancehuffman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: Exeter Finance Corp.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
During a previous complaint ( " Complaint '' ), I received communications from J.P. Morgan ( " Complainee '' ) asking me to contact an agent with Chase Executive Office to obtain additional information in order to continue the research. Complainee then closed the complaint. Unfortunately, after several, several unsuccessful phone calls attempting to reach out to the designated agent and leaving numerous voice messages with my contact information, I never received any response. It 's patent that Complainee is not taking the necessary steps to address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I started a request of a loan at end of XXXX 2015. A broker give a rate lock and loan approval, with a XXXX on XXXX XXXX. For external reason not related to me ( was a judge involved as a XXXX was one of the owners ), the closing took more time than expected in the rate lock. I consult my broker and he told me will be no problem to extend the loan with the same rate. On XX/XX/XXXX was the closing and the broker send me a new XXXX ( same day as the closing ), and I found that he remove some discount points ( {$1500.00} ). On the conversations I have with the broker and he never told me or provide ducumentation about the rate extension cost, I also asked him may times if will be a problem and he never communicate the difference of the cost. The relation with the broker felt apart and I have to communicate with the loan company and they investigate. They consult with the broker and the broker told them that he give me the information. I request documentation to validate this, and they never provide it. Please help to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX university online based out of XXXX, florida which is now closed I believe. I have XXXX loans through university accounting services or UAS, which was formerly XXXX. XXXX of the loans was reduced due to school being bought, filing bankruptcy and the other never was. im being told and I think that I should not be held responsible and have to pay for these loans and have them reported to my and cosigners credit as my degree is not considered valid and I can not or have not obtained a job in the field I so called graduated in. please help. I also have my federal loans deferred while waiting on the courts decisions on loans being discharged due to the school being a horrible school and no validity with the degree or classes I took.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had XXXX phone calls back to back and even XXXX calling while I was on the other line with the same company on my work phone number. I have asked them to not call my work, they are free to call my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan modification application is complete as of XX/XX/2016. Bank of America has not provided written acknowledgment of the receipt and completeness of my loan modification application within XXXX business days, as required under XXXX CFR XXXX ( b ) ( 2 ) ( i ) ( A ) - ( B ).

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 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I received my XXXX file. File number XXXX. What was reported by Bank of America, my mortgage loan was that I have a Fixed Rate Mortgage. It was reported twice. The first date it was reported was on XX/XX/XXXX as a Fixed Rate. The second date was reported on XX/XX/XXXX. First and foremost, I have not refinanced my mortgage with Bank of America. My loan was bought when Countrywide Home Loans was purchased by Bank of America. I have never had a FIXED RATE MORTGAGE with Countrywide Home Loans or with Bank of America. I have a 30 year Conventional Adjustment Rate Mortgage. I have taken pictures of what was reported to XXXX. Additionally, I 've taken a picture of my latest mortgage statement that shows I have a 30 year Adjustable Rate Mortgage, that is affiliated with the one year Libor. My mortgage rate is adjusted every year. My new monthly mortgage payments change on the first month of XXXX of every year. Please investigate this matter thoroughly. As I do think Bank of America was colluding with XXXX and XXXX. My Bank of America Account number is XXXX. My XXXX Equity Line of Credit number was XXXX. My XXXX Account Mortgage Account number was XXXX. I, honestly believe I 'm a victim of Libor Rigging Scandal. Or a victim of Credit Debt Swapping.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX violations from Ocwen Loan Servicing, first is a violation of the FDCPA in over contacting me ( 5 times in a 7 day period ) and I have been lied to when requesting to be able to pay my own homeoweners insurance and removing it from my escrow payment. 
Third, I have been viloated in my privacy under Graham Leach Bliley Act, when Ocwen without my permission contacted my insurance company and conducted business without my expressed written or verbal consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with XXXX and was unsatisfied. I returned the phone within 2 weeks, which was the time frame I was given. I returned all the materials they gave me along with the phone and was given a refund receipt. A couple months later I get a call saying that I owe XXXX {$800.00} because they still think I have the phone. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied online for a refinance, and the GFE that was generated did not remain the same after I spoke with an agent the first time. On XXXX/XXXX/15, I paid the lock-in fee of {$490.00} for which the agreement said I could rescind it if I did n't yet receive countersigned documents. I rescinded the agreement on XXXX/XXXX/15 because I became distrustful of the process and agent. Plus, I had n't received any documents. I was told on XXXX/XXXX/15 that the lock-in fee of {$490.00} that I paid would be refunded to me. After sending a reminder email on XXXX/XXXX/15, I still have n't heard from any agent at Valley National Bankl

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 2015-08-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation