BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: BB&T CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. 
At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. 
I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. 
When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. 
I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Collins & Hilton Asset Group, LLC
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 discharged in bankruptcy

Complaint:
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX '' that the account is being reported correctly. spoke to attorney XXXX and was told they have to update and report the account correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/XXXX I contacted USAA and asked for guidance. I was nearing the conclusion of the escrow for my home at XXXX., XXXX , CA XXXX. My home was under construction and nearing completion. My question was to a loan officer. I needed guidance as to what I could do to finish the back yard and other finishing construction needs once I closed on my home. I knew that I would have {$30000.00} in equity upon closing between the purchase price and the value of the house without the upgrades. 
I was advised to take out a personal loan with the purpose of converting it into a Home Equity Loan after closing. I was concerned that the payment was high and told the loan officer that I could only carry that payment of over {$700.00} for two months at the most. I was assured that I would only be responsible for that payment for 30 days at most. After several days of consideration and discussion with knowledgeable friends, I consented to the arrangement on the condition the loan would be converted right after closing in XX/XX/XXXX 
I closed on my home, activated the USAA loan as agreed, and called to convert it to an Equity Loan in XX/XX/XXXX per our agreed plan. 
I was told nothing could be done at all because USAA 's technological system was being updated. 
I called in XX/XX/XXXX and was told the system was being updated and nothing could be done. 
I called in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX XXXX times and was told the same thing. 
I called twice again in XX/XX/XXXX and was told the same thing. 
I called three times in XX/XX/XXXX and was told the same thing. 
I called multiple times in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX many times. The third or fourth call I was told USAA was not granting Equity Loans any longer. 
I asked what other options I had, and was not guided in ANY way. 
I called back in XX/XX/XXXX and was not guided or helped. 
I called back in XX/XX/XXXX and was told to go to another institution. I was not guided as to what institution or what to ask for. 
I called back in XXXX XXXX and was not given any options by USAA. 
I called multiple times in XX/XX/XXXX and was just told to hurry up and find something. 
I have requested someone from your office to contact me for help in finding a reasonable product. I have made this request in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not heard from anyone in your office and it is XX/XX/XXXX. 

USAA Banking knew from the beginning that I was seeking an equity loan not a personal loan with a monthly payment of over {$700.00}. An equity loan came with a monthly payment of {$350.00}. I was purposely put of with the objective on USAA 's part to keep me at the $ XXXX monthly payment when they knew from the beginning that I did NOT ask for or seek in any way a personal loan!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. county taxes went up. 
2. insurance went up. 

escrowed mortgage payments went DOWN (??? ), and since I 've dealt with ocwen they have yet to actually service my mortgage, I service my mortgage through ocwen who tries to steal my home by hook or by crook. 

PLEASE SHUT OCWEN DOWN. 

I 've submitted an escrow analysis, but without help from CFPD & the states attorney general, I 'm dead in the water. ( meaning I have n't the 40+ hours in a month for XXXX XXXX XXXX & the fear of losing my house & incompetent service representatives. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Praxis Financial Solutions, Incorporated
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Some guy from Praxis Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old XXXX card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.

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 2017-03-24
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Yes I had an agreement with someone to purchase an item for XXXX. I sent that person the money for the item. After a week of him saying he will send the item, I do n't hear from him for a day or he ignores me. After a week, he says he needs more money before he will send what I paid for. He of course is refusing to refund the money. I filed a dispute with my bank and sent them the original proof for the agreement to send the item, and then another picture showing where he said he needs more money before sending. The dispute team for my bank refused to refund the money. On their website, it says in covered by Visa Zero Liabilty for fraud, however they will not agree that o deserve the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no idea who this company is, and why they are trying to get {$1100.00} from me, when I try to communicate with them, I am put on hold for over hours, or call is disconnected, or even I am told someone will get back to me. I have been on XXXX since XX/XX/2010, the kind that all of my medical debts are paid, I have told them either they have the wrong person, or someone used my name. they refuse to give me any information, and they keep putting this on my credit report every few months, which gives a negative reaction to my score. This has to stop.

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 2021-07-26
Company: EQUIFAX, INC.
State: CA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a FTC report with Sequim Asset Solutions letting them know that I was a victim of identity theft. They have not removed the account from my credit after the request by the way if the FTC 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 2015-07-08
Company: First Associates Loan Servicing LLC
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX XXXX in XXXX MA. Now I have Federal and Private Loans. The Federal I was able to consilidate XXXX loans into 1. But I still have XXXX private loans each with large interest rates. I 'm struggling to pay these debt off now.

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 2021-07-26
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021, i submitted a request to be evaluated for loss mitigation with my lender. On XX/XX/2021 my lender provided a correspondence stating that i was eligible to participate in the lender 's " Short Sale Program '' ( attached ). This program would provide me until XX/XX/2021 to sell the property and receive a full deficiency waiver. The correspondence gave me until XX/XX/2021 to accept the Short Sale Program. 

On XX/XX/2021 my Attorney 's office contacted the lender to accept the short sale program and began to market my property for sale ( email attached ). I complied with every request from the lender for documentation and access to the property to complete their appraisal/XXXX 's. 

My agent was able to find a buyer that was very interested in the property. We got a $ XXXX contract executed and submitted it to the lender. The lender stated that they needed an offer of {$110000.00} as the interior XXXX came back at this price ( attached ). The buyer accepted the lender 's increased offer and we submitted an updated contract addendum with an offer price of {$110000.00}. {$100.00} above the lender 's requested value. 

However, instead of the lender approving the short sale. The lender denied the $ XXXX offer, and refused to cancel the foreclosure sale date scheduled for XX/XX/2021. Even thought the lender stated that I had until XX/XX/2021 to sell the property and that they would delay the foreclosure until that date. 

The lender breached the agreement we had by arguing against the stoppage of the XX/XX/2021 foreclosure sale date instead of providing me with the agreed upon timeframe to sale the property. It also adds insult to injury when the buyer accepted the lender 's price to sell the property. It seems the lender was just trying to find a way to get me out of the property by duping me into believing their offer letter. This is straight up fraud by this lender. I should have until XX/XX/2021 to sell the property even if the lender denies a offer prior to that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
To Customer Service Team From XXXX XXXX Account XXXX XXXX/XXXX/2016 I am notifying BARCLAY in writing on XXXX/XXXX/2016 XXXX PT -- I took out a balance transfer which is now due for payoff on XXXX/XXXX/2016 in the amount of {$1000.00} ( XX/XX/XXXX ). I am being told instead of being able to pay off this amount directly, BARCLAY will apply my intended payment to the amount balance due on my NON-BALANCE TRANSFER purchases. BARCLAY is punishing me financially for continuing to use my card for additional purchases and PREVENTING me from complying without penalty to the BALANCE TRANSFER transaction. This is equivalent to loan sharking and consumer fraud. BARCLAY puts me in a position to be liable for interest I am trying to avoid by paying off the BALANCE TRANSFER amount early/on time. If this is not corrected, I will cancel my account and I am also notifying ALL Consumer Credit Agencies of this practice of penalizing consumers who want to pay their debt in a timely manner

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 2021-07-26
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 information incorrect

Complaint:
Submitted an investigation with credit bureau and XXXX both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.

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 2023-01-05
Company: EQUIFAX, INC.
State: FL
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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted XXXX XXXX in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX  and XXXX  reports. They have now forced this fraudulent account onto my Equifax report. I have notified Equifax on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have medical insurance with XXXX.I have excellent credit numbers.This is the first I have heard of this bill and it 's from XX/XX/2016.Not very fair.I have never even seen a paper bill from this.I had my medical bills from XXXX.It was XXXX I need paper verification as to why I owe this bill from Thomas Agency .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have had a mortgage loan with XXXX for the past couple years since refinancing with them in XX/XX/XXXX. The loan servicing was switched from XXXX to SLS Loan Servicing on XX/XX/XXXX without my knowledge or input. I received a letter the XX/XX/XXXX from SLS informing me of his change. The letter stated that nothing about my note or mortgage would change. I then got another letter at the end of XX/XX/XXXX stating that a {$2700.00} lender placed hazard insurance policy would be placed and the payment would increase by {$110.00} per month starting XX/XX/XXXX unless I found my own policy within 45 days ( note : there was only about 30 or so days til XX/XX/XXXX at the time ). This forced policy amount was double what I had been paying to escrow for hazard insurance. I then got an agent and found a policy for {$1500.00} which went into effect on XX/XX/XXXX, however the payment did not decrease at all and I was told that I still owed the difference from my my {$660.00} payment to the increased payment of {$780.00} even though I had purchased a much cheaper policy which would 've brought the escrow back down well before XX/XX/XXXX. I was also told by an SLS rep that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that {$480.00} was taken out of my escrow account by SLS to cover it because they did not accept the previous hazard insurance placed by XXXX even though I was never informed that I did not have coverage at any time until today. I was not given any notice ahead of time about the transfer of servicing or the lapse in coverage in order to get a policy before hand and prevent a lapse. On the contrary, I was told that nothing would change in the letter I received at the end of XX/XX/XXXX ; even though the rep in the Hazard Insurance Processing Center for SLS stated that the lapse in coverage is standard on all loans from XXXX to SLS. Than no Hazard Insurance policy is ever continued from XXXX to SLS. I think it is horrible business practice to plan and execute a transfer of loan servicing, allow a lapse in Hazard Insurance coverage, then charge the only party in the transaction who had no knowledge or control over anything ; after the fact. This could have been prevented by simply informing me 30 to 14 days BEFORE the transfer of the loan. Now I have an unpaid balance of {$110.00} on my XX/XX/XXXX mortgage payment as well as a deficit of {$480.00} in my escrow account that I just found out about today. Please assist.

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 2017-03-31
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My vehicle was broken into. I reside on a cul-de sac/dead end street. I accidentally left my purse in car as I have a XXXX. Hands full and honest mistake by leaving it in my car. Thief took purse, diaper bag and all content within glove box ( car registration etc ). I filed a fruad claim with US Bank and also an immediate police report. No credit cards transactions were fraudulently made but perpetrator wrote a fraudulent check. US Bank denied my fraud claim. Holding me liable because checks were stored in an unsecured location ( car ). No appeal letter was given to me. I had to call several times to fraud dept myself to attempt to over turn decision. No prevail. I also tried calling my home branch and discuss matter with manager. She also gave same answer of " sorry ca n't help, fraud dept denied claim. Nothing we can do. '' Mind you it took almost a week and 1/2 for her to get back to me. Which I emailed her a follow up email with no reply. I had to call her to gain an answer. Poor customer service. I also called into fraud dept 3 times now?? Last representative said supervisor could n't get back to me until Monday! Run around. Point is -- - fraud is fraud. I should n't be held liable for a {$480.00} check I did n't write. In addition to Bank fees being applied!

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