BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX broke their " contract '' with me. They would not give me a copy of their contract. I made an audio recording of our agreement and when I played it back, it did not agree with their recent comments. 
They would not send me a copy of the " contract ''. Their installer came to my home and installed a new modem. Under the " in place '' agreement, till the end of agreement, I was under free modem, till the contract ran out. They broke contract. Also, their installer stole one of my personal units. Value+ {$160.00}. XXXX did NOT want to hear any of my complaints, only wanted money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: PROVIDENT FUNDING ASSOCIATES
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
applied for a mortgage XX/XX/XXXX through a mortgage broker through Provident lending. Got a loan commitment letter several weeks ago, but now 2 days from closing, still ca n't get a closing disclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: American First Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I obtained a loan to purchase household item. The company is named American First Finance. For the first payment I was supposed to pay it on XXXX/XXXX/2016 but I did not have the funds so I got into a chat session with someone in the company and they were supposed to change my due date. On XXXX/XXXX/2016 at XXXX I received a text message from my bank stating I was {$300.00} in the red. I contacted the company and they said that they would arrange the due date to show the XXXX of every month. They told me that they would not provide me a refund for the {$150.00} that my bank charged me for all the insufficient funds charges but they would adjust my account accordingly. In XXXX they again took the whole payment without reflecting the credit they were supposed to apply to my account. My bank provided me that credit and only paid the company balance between {$210.00} and {$150.00}. To this date they are still charging me the whole payment for the month of XXXX. I let them know that I will not pay another nickle until they fix my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-03
Company: Aspen Properties Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good morning! My father and I was took out a mortgage loan together as borrower and co-borrower and used our home as collateral. Last year my father passed away due to covid complications. I as co-borrower called mortgage servicer to inform them on the passing of my father and to see what I can do to take over mortgage since I lived on the property. The person I spoke to informed me that the loan had just been transferred to their facility and they did not have all documents on file yet. It was then that this individual provided me with the lenders number so that I could talk to lender on what was needed on my behalf. I contacted this lender individual and asked if he could send me copies of documents they had on file such as deed/title & promissory note. He informed me he would work with me to find a solution so that I could modify loan and take over mortgage. I sent all information he needed such as my fathers death certificate, I filled out paper work he had emailed me & sent out my income information, etc. Then out of no where he indicated My sister & step moms lawyer contacted him indicating they were owners and they would be paying off mortgage loan and basically dropped me. He informed me I was co-signer and for me to get a lawyer. He informed me he would keep me in the loop on what they ( sister/step mom ) were planing on doing. I informed him I was partial owner on mortgage loan making me co-borrower not co-signer. I called him once again and he never answered. I sent email and did not get a reply to that email. I then contacted mortgage servicer to see what I can do since I had already made several payments on mortgage loan. They informed me to call lender and work it out with them. I was recently evicted from the property my father and I owned by my step XXXX & XXXX and was informed I had no legal rights. I have called so many places in which I could get some help I even hired an attorney but he basically misrepresented me and I lost out on a significant amount of money in which I could have used toward the loan my father and I obtained jointly. If theres anything you can do to help me figure out my rights or how to go about this I would greatly appreciate the help.Thank you & XXXX bless! 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is re-aging this debt on my credit report. This account was closed 6 years ago and they are saying the account was past due as of XX/XX/XXXX. 

They are also showing it was open on my credit report in XXXX this account has been closed since XXXX. I want this account removed, The balance is incorrect and the credit agency is violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
The payoff process used by USAA breaks the XXXX XXXX credit card XX/XX/XXXX. I made payments to the credit card for XXXX from XXXX time frame and all payments were applied to a balance transfer rate of 1.9 % instead of the 18.15 % interest rate. Anything over the minimum payment is to be applied to the highest interest rate on the account. Furthermore, I went back to previous statements dating back years and discovered USAA charged full monthly interest on purchases even if the purchase balance existed for a 5 days ( for example ). Over a period of years, both of these equate to large quantities of interest being wrongfully charged to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: SC
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2016-10-05
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
They only called during my working hours. Never left a voice mail message for me. 
They also never sent a letter to my home asking me to pay the debt owed. 
They admitted, on a recorded phone call, that they do n't leave voice mail messages and they do n't send letters. I found out about it through my XXXX account and I paid it immediately. It was {$180.00}. Had I known sooner it would have been taken care of then. They received my account in their office XX/XX/XXXX. I paid it XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
A fraudulent charge was made on my XXXX Credit Card on XXXX XXXX, 2016. On XXXX XXXX, 2016, I called USAA Customer Service and was told my card would be cancelled in order to prevent additional fraudulent charges from being made and that my account would be credited for the charge. I have never received the credit despite numerous calls to USAA Customer Service. Each time I call, I 'm transferred to different departments, but none of them see to be able to resolve the issue. They seem to be making absolutely no effort to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX I purchased a XXXX XXXX XXXX and KIA MOTORS FINANCE provided the loan for the vehicle. 

On XX/XX/XXXX I traded in the XXXX XXXX and XXXX paid off that loan, the loan was then closed and a refund of {$21.00} was mailed out. 

On XX/XX/XXXX I received my annual XXXX bonus and I did not realize that my bank still had it set to send a large payment of {$5000.00} to KIA MOTORS FINANCE to pay down on my loan. I forgot to cancel the scheduled payment to KIA MOTORS FINANCE when I traded in the XXXX XXXX. 

On XX/XX/XXXX KIA MOTORS FINANCE received the payment, which as my bank advised me could not be reversed. I immediately called KIA MOTORS FINANCE so they could immediately process the refund and was advised that it would normally take XXXX business days to refund me but the customer service representative emailed the payment processing department to immediately refund me. 

On XX/XX/XXXX I again called KIA MOTORS FINANCE for a status update on my refund of the {$5000.00} and was told by everyone I spoke to that it would take 30 business days to refund me and there is nothing they can do. 

{$5000.00} is a LOT of money to be out. They're HOLDING on to MY money. My KIA MOTORS FINANCE account was closed out on XX/XX/XXXX with a ZERO balance. So how can they hold on to MY money?

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 2022-05-16
Company: EQUIFAX, INC.
State: MS
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:
1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES XXXX FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive submitted numerous disputes challenging the accuracy of the furnishing on my consumer credit file with all three major credit reporting agencies and i'm getting ignoring. Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) consumer reporting agencies are suppose to report all accurate information and there shouldn't be a difference in any major credit reporting agency. Pursuant to 15 USC 1681b of the Fair Credit Reporting Act which governs all credit reporting agencies I demand these account listed in the documents attached be remove from my credit file. Failure to do so will result in civil and criminal fines pursuant to the Fair Credit Reporting Act 15 USC 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion will not report my credit while I attempt to obtain a service from a merchant that requires reviewing my credit score. The merchant states that TransUnion has reported a freeze on my credit reporting. I have no freeze on my TransUnion credit reporting. 

TransUnion can not be contacted to resolve this error on their part. 

All attempts to contact TransUnion have failed, there is no manner to reach a human at TransUnion. 

TransUnion improper freeze of my credit has impacted my ability to secure credit. 

TransUnion 's refusal to lift the improper freeze is negatively impacting my ability to secure credit.

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 2016-11-29
Company: MB FINANCIAL, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On beginning of XXXX, I submitted a complaint to the CFPB ( case # XXXX ) about the no-consulted rise of the mortgage ( Acct # XXXX ) of my house by MB Financial Bank. On XXXX XXXX, we got an answer explaining what the Bank did with the automatic payments I was making. In the answer, the Bank states that wants to work with me to bring current the mortgage account. When I noticed the Bank had answered to my complaint, it was about XXXX XXXX. After reading and reading the letter to understand the numbers, on Monday XXXX, MB Financial put the house in foreclosure status. I called a MB Financial Toll Free number and the operator told me that since the house in Foreclosure, I have to deal with the foreclosure department ( law firm handling the case ). My point here is that it is unfair that when we were that close to fix the problem with the mortgage, now I have to pay the lawyer 's fee. I want the Bank to consider and withdraw those fees from the amount I have to pay. By the way, I have never been reluctant to pay my mortgage. I have been and am willing to pay my mortgage. 

The second point here is that I have never received or signed a formal letter telling me that the mortgage was increased. 

The Third point is that the house has insurance before MB financial Bank bought XXXX XXXX Bank. The information was in the XXXX XXXX Bank records. I do n't understand why the Bank is insuring the house again and charging it to the escrow. I want MB financial to remove that insurance from the escrow since the house was already had insurance. 

The last point I want to mention is about the money that was deposited into the mortgage account that was refunded but never cashed. In the answer letter of the XXXX complaint, it is mentioned that on the following dates was performed a refund by check : Date Amount XX/XX/XXXX2016 {$590.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} Total {$4600.00} I appreciate if MB Financial Bank can add this amount ( {$4600.00} ) to the mortgage account since those checks have never been cashed. In other words, I do n't have that money. That money is in the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
STATEMENT OF THE CASE On or about  XXXX   XXXX ,   XXXX  , PRM caused to be included in Complainants consumer files, and recorded upon Complainants investigative consumer report ( ICR ), as maintained by   XXXX   XXXX   XXXX   XXXX    consumer  reporting agencies, adverse and derogatory information alleging Complainants default upon a debt owed to the  XXXX   XXXX  and  XXXX   XXXX   (   XXXX  ) to the sum of  XXXX   XXXX   XXXX   ( { $820.00} ) and     XXXX   XXXX  . The reintroduction of this information in Complainants consumer files and recordation upon his  ICR  violates the FCRA and FDPA.

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 2015-06-23
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The hospital I wen to never billed my insurance for this debt and did not notify me of any payment needed. I have changed jobs since then and no longer have the same insurance company. I contacted the debt collector and explained the situation to them, They have never contacted be about this debt nor have they responded to my inquiry. The only reason i know about this debt is because i pulled my report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me XXXX days in a row, after I said I would pay it in installments the XXXX day they called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: SUNRISE CREDIT SERVICES, 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:
XX/XX/XXXX I purchased internet and TV services from XXXX XXXX XXXX. After a series of problems, and incorrect charges I decided to end the service with them and completely cancel. The connection to the services at home was never done. For this reason i continue to get charged and now have Sunrise Credit Services trying to collect the debt. I have made over 30 calls to XXXX XXXX XXXX and spoken with many managers. They have all said they have resolved the issue but still continue to get charged for the service they did not render. I continuously call XXXX XXXX XXXX representatives to get it fixed but still have not had any resolve. As a result my credit score can be affected. XXXX XXXX XXXX has claimed that it is an error that they committed but I still continue to have this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am being charged {$10.00} per month however, I should not be charged at all.

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 monetary relief
Consumer complaint received 2016-06-06
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Rewards

Complaint:
I applied the XXXX platinum charge card which offered me XXXX Membership rewards points as the sign-up bonus. It required me finish XXXX dollars purchase within the first three months. However, the system gave me the sign-up bonus on XXXX XXXX and removed them on XXXX XXXX! That made me confused because I knew that I did not fulfill the spending requirement yet. I thought there must be something wrong with the system, so I did not pay attention to it and continued to purchase by using this card in order to satisfy the XXXX dollars spending requirement. However, even after I spent more than {$3000.00} dollars and waited several months, my account was not credited with the XXXX Membership rewards points. I contacted with XXXX via online chat which said I should make a phone call to XXXX. When I called the XXXX representative, she said I can not get the sign-up bonus because of some cancelled charges. That made me so shocked because I believe I did not cancel any transaction. Moreover, when I asked her to provide me the details which transaction I cancelled, she just told me she did not know and repeat over and over again their so-called " policy '' -once the sign-up bonus released and would not give back after removing. However, a friend of mine actually also confronted the same situation but got the sign-up bonus back after contacting XXXX! Their explanation is unacceptable because the fault is not made by me but XXXX system. I conservatively value XXXX Membership reward points equal to XXXX cents, so XXXX Membership rewards points are equal to {$2000.00} dollars. Therefore, I have to suspect that XXXX intentionally gave me and took back the XXXX, XXXX Membership rewards points sign-up bonus within 2 days in order to deprive my rights to acquire them.

Company response to consumer: Closed with non-monetary relief