BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: BANK OF THE WEST
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at Bank of the West in XX/XX/2016 and requested to close the account on XX/XX/2016. Bank representatives rejected my request because they claimed I opened a " line of credit '' on the account which I never did. Meanwhile, they stated I have used the line of credit and owe money on the line which is a surprise to me because I have never requested nor used any line of credit. I only withdrew my initial balance out of the account to close the account. The local branch representatives could not give me an explanation for why this line of credit was opened and why it says I used some of it. In the meantime, the account is also accumulating monthly fees because I have a zero balance and they wo n't close the account to investigate this error. I am being harassed with bank letters notifying me they will contact collections to collect the outstanding fees on the account. What this financial institution is fraud and reminds me of XXXX fraudulently opening accounts on their customers behalf without them knowing, and charging them fees in the interim. This is a bad surprise that I hope to resolve and prevent to happen to others. Please help!

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 2020-10-05
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX, new jersey XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,

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 2016-07-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Company responded Experian Credit Reporting Agency said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that Experian is reporting inaccurate credit information on your personal credit report. You would like your names and incorrect addresses corrected. 

Upon further research and reinvestigation we were in the process of removing/updating variations of the disputed address. Upon completion, an updated copy of the credit report will be provided to you for review and confirmation. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 


I HAVE RECENTLY RECEIVED MY NEW EXPERIAN CREDIT REPORT VIA THE US MAIL, AND I WOULD LIKE TO KNOW WHY THE INVALIDATED, INACCURATE, DISPUTED INFORMATION IS STILL BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? PER EXPERIAN 'S RESPONSE, VIA THE CFPB PORTAL, WHICH IS LISTED ABOVE FOR YOUR REVIEW, EXPERIAN CLEARLY STATES THAT THE DISPUTED NAME, AND INACCURATE ADDRESS IS IN THE PROCESS OF BEING DELETED! SO I WOULD LIKE TO ASK EXPERAIN WHY IS IT STILL BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? AS I AM SURE THAT EXPERAIN IS IN FACT NO DOUBT AWARE THAT RE-INSERTING PREVIOUSLY DELETED INACCURATE INFORMATION BACK ON TO A CONSUMER CREDIT REPORT IS KNOWINGLY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT LAWS! FAILURE TO REMOVE THE RE-INSERTED INACCURATE PERSONAL INFORMATION COULD RESULT IN {$1000.00} DOLLAR FINE PER UN-DELETED ITEM! 

I AM NOW DEMANDING THAT EXPERIAN ADHERE TO THE LAW AND COMPLETELY REMOVE THE INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION THAT WAS RE-INSERTED BACK ON TO MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE. 

THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EXPERAIN CREDIT REPORT : ILLEGALLY ADDRESS BEING DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX ILLEGAL NAME CURRENTLY BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX NAME IDENTIFICATION NUMBER : XXXX AS I HAVE NEVER USED THE INACCURATE PERSONAL INFORMATION CURRENTLY BEING LISTED ON MY EXPERAIN CREDIT REPORT, I WOULD LIKE TO KNOW WHY EXPERAIN IS CONTINUING TO KNOWINGLY VIOLATE THE FAIR CREDIT REPORTING ACT LAWS BY CONTINUING TO REPORT THIS RE-INSERTED INFORMATION?

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 2016-07-12
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me

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 2015-06-10
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFIN, INC falsely reporting a paid account. 

I had only had XXXX XXXX account from when i was married, it was reported to my credit report XX/XX/XXXX. On XX/XX/XXXX This account was settled and paid to XXXX, i send to all XXXX credit bureaus XX/XX/XXXX and now its re-reporting from AFIN INC. so I called the company at XXXX and they wont send verification of dept and cant tell me anything other then to pay. I have also received a sarcastic voice mail from this company on XX/XX/XXXX form XXXX then an automated one on XX/XX/XXXX from XXXX both stating they are with AFIN. Ill provide XXXX attachments Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt with XXXX/Clark County Collected was originally {$2600.00} but was settled for {$1900.00} through my representatives at XXXX XXXX XXXX. My final payment for this account was posted on XXXX/XXXX/16. As of XXXX/XXXX/16 Clark County Collections is reporting a balance on my account for {$660.00}. That is the exact difference between the original debt and the settlement amount. This company is incorrectly representing the debt on my credit report by showing a balance due when the account should be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Pohler and Associates, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was in an accident XX/XX/2012. I was driving my girlfriends car because she had had a couple drinks and with our children in the car we thought the responsible thing to do was for me to drive us home. On the way we were cut off by another driver and when I tried to brake we slid into his rear end causing damage to his driver rear tail light. I was insured at the time but my insurance company refused to cover me. My girlfriends insurance had lapsed, but even if it hadnt it would not of covered me either. So of course XXXX, the insurance company representing the guy who cut me off, got an inflated estimate of almost {$8000.00} ( for a tail light ). I requested an estimate by someone of my choosing and was refused. I refused to pay, they attempted to sue. I was prepared to go into court and plead my case, but they approached me last minute and offered to let me make payments and I agreed to pay {$100.00} a month which I have done ever since. They have contacted me by phone and left voicemails saying they wanted to review my account. I have called on several occasions and always get their after hours voicemail and never get a response. Yesterday I recieved another voicemail saying that because I refused to call back they have subpoenaed my bank records and decided that my payment should now be {$250.00} mo. I have XXXX kids and my girlfriend living on my income. I just borrowed a large amount of money from my mother to fix up my house and sell it. Now they want to come and take it for a debt I feel I should n't be responsible for to begin with. They say if I dont pay what they dictate they will have my drivers license suspended. Then not only will they not get paid my family will starve. I am in construction and can not take the bus to work. I work in various different places and some dont even have roads to them much less bus routes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: EOS Holdings, Inc.
State: TX
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:
XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything. 

I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake. 

I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily. 

I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
XXXX of 2022 I got a starter loan from XXXX  XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately

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: BlueChip Financial
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted EBTs ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. XXXX then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year XXXX of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.

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 explanation
Consumer complaint received 2016-01-12
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I have had a credit card with US Bank for two years. On XXXX XXXX, XXXX I changed checking accounts, and updated my online autopay settings with US Bank to reflect my new account number. For some reason the US Bank website did not register this change. On XXXX XXXX I realized that US Bank had not realized that US Bank had not registered the change, and that my account was overdue. After numerous conversations with customer service representatives, I was assured autopay was successfully set up. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, that my account was past due despite having set up autopay a mouth earlier. After numerous conversations with customer service representatives I was informed the autopay can take " XXXX to XXXX cycles '' to take effect. I was not informed of this during the initial setup of autopay. While I specifically asked for confirmation for autopay, which US Bank apparently does not provide. 

US Bank has reported a late payment on my credit report, which I have attempted to have removed. As of now US Bank has not done so. 

Thank you for your help regarding this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home equity loan with a company in XXXX, XXXX, Loan Care, who is horrible. Dealing with them has been a nightmare in general. Reaching them on the phone is difficult at best. I can almost never get in touch with a human being ; their automated phone system has perfected the art (? ) of the runaround. Back in 2009, I was told that I was {$13000.00} in arrears ( no foreclosure proceedings had been instituted ). My husband sent them the {$13000.00} and it was not applied to the loan ; it was put " in suspense '', whatever that means. I STILL have no idea where it went. My husband requested a copy of the original loan and we were sent a copy of the loan for someone in XXXX. We had very expensive plumbing problems this last year and got a little behind, so of course they began foreclosure proceedings. Well, that has been " resolved ''. The latest trick is that we have tried no less than XXXX times to request a payoff amount so we can get rid of the headache that Loan Care is, but I have yet to have received it. And again, it seems to be impossible to speak to an actual human being. To add insult to injury, they are also impacting my credit report. My congressman 's office tells me you can help me. I hope so. Please let me know what you need from me. 
Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have had a home mortgage through XXXX XXXX XXXX for the last 5 years. 

XXXX XXXX XXXX notified us on XXXX XXXX that our mortgage was being transferred to Carrington Mortgage Services on XXXX XXXX, which I believe is less notice than required ( is n't it 15 days? ) Carrington has not contacted us at all about this transfer, and it is now XXXX XXXX. We want to know what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working by phone with XXXX XXXX at loandepot.com to check rates and fees for a mortgage to refinance my home. In order to see the estimate, I was required to pay for a credit check for a charge of {$19.00} to a credit card. I used my debit card for the amount since I did not want a small charge on my credit card. XXXX assured me that the {$420.00} charge for an appraisal fee would not be charged until I spoke with him again, but he had me click on several places in their website to agree to continue with each step. I gave him my debit card number to pay the {$19.00} on XX/XX/XXXX and received an email receipt for that amount. On XX/XX/XXXX, without any further conversation, my debit card was charged {$420.00} as per " my agreement with XXXX XXXX '' as my intent to proceed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my payments set up on auto pay, one month without notice my payment was sent back and I did n't notice. I then became late. I did n't realize the money had been returned to my account. I then call in to find out what was going on and tried to make a payment over the phone. They told me the address had changed and they no longer accepted payments at the address that I sent the payment to. I could n't pay two months at once and they would not accept one full months payment. I updated the address and sent a payment online. My complaint is that they sent a payment i made back anf then refused payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
When will the victim ( s ) who has been and is continually torn down to His or Her or their lowest level of Characters Worth receive restitution? I am victim of Identity Theft By my former Mortgage Company who now has Reorganized, but under their new Organization has filed Bankruptcy but has been given the privilege to Reorganize for a third time. Throughout their reorganization process My family and I have suffered tremendously with little help and comfort for our loss for local, from federal and our Government agencies. Why are n't the laws catered to the American individual. The right to sue big business and corporations for their illegal practices and financial damages. I note us as individuals and families that owns our homes and yes once upon a time held great creditable reputations until a criminal or civil act has been committed against us and continues to happens but goes unpunished at the lowest level what are we to do? I am in Bankruptcy now, in order to prevent the legal system local authorities from using a court order to throw my family and I out of our home. I have consulted with everyone ... .. but congress and our President. I am and will always be an American citizen and I served our country faithfully, but yet I am not receiving the proper justice because I am not at the corporate level to bring charges against a corporation but a individual as stated by the FTC telephone representative. I know we can perhaps undo the wrong for all citizens who have been affected like I have. It may take some time, but it will alleviate many nights of despair and discouragement I have due to someone else 's inability to serve the American people within their legal rights in their pursuit of happiness in obtaining the " American Dream ''. Although, I am a innocent Homeowner in American, now a victim of my mortgage company crimes, but labeled and viewed as having the inability to obtain and maintain obligations and responsibility financially because wrongful placement of the credit worthiness I have to wait until all the law is put into place to correct this issue, shuewww!!! How will this new law help me and my fellow Americans?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX payment made on XXXX XXXX. As of XXXX/XXXX/2015 still not applied to my loan. They have added escrow charges for paying my Home Owners Insurance that was already paid and expect me to get a refund from my insurance company. Because I refused to pay the escrow they put the mortgage payment in a suspense fund and will not apply it to the loan. And then they added late charges.

Company response to consumer: Closed with explanation