BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I made a payment but when I asked the representative what the past due was she told m, I was told I had the XX/XX/XXXX payment but I actually had XX/XX/XXXX and XX/XX/XXXX {$240.00} but it {$400.00}. I talked to a supervisor about and he did waive XXXX late fees for me but now I have XXXX credit marks with Elan Financial, I advised the supervisor that I am dealing with fraud, someone emptied my checking account and I am waiting for the bank to put all of that money back, I keep getting asked why the account even though I talked to the supervisor and he states he would note the account. One of the reps lied and said I did not want to make a payment but I advised I was at work and just needed to change the date on my payment. She kept asking about other payment arrangements. I advised I was at work at twice and I did not wish to bring any personal issues at work. I want the credit marks removed and to be put on a pay plan. I am dealing with fraud but Elan did this to me before and I should have the credit marks removed due to misinformation that was given about my payment. This is not my fault and the rep should have given the rght information or ask someone if she was not sure because I clearly asked what was owed,

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 2015-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan account was transferred to another mortgage company in XXXX XXXX. I have been on a bi-weekly payment plan with my previous mortgage company since XXXX XXXX. I paid an extra month a year towards my principal through the bi-weekly plan for about 10 years. I made XXXX payments in two of the months during those years, which are XXXX bank drafts per year. This should have reduced my loan payoff date, ( maturity date ) from XXXX XXXX. I have occasionally checked with Citi-mortgage in regards to my loan payoff date. I was always told that it was XXXX XXXX because of my enrollment in the bi-weekly advantaged plan. When my loan was transfer to Carrington Mortgage, it was written on my statements that my maturity date is XXXX XXXX. My issues are with all the money that was applied to my principal since XXXX and adjustments made to the amount of interest that has been amortized. I also understood that the extra one-month payment a year would also reduce my interest that further reduces the loan payoff date, ( maturity date ). I have expressed concerns to the new mortgage holder regarding the loan payoff date, ( maturity date ) because of the way it is stated now I will be paying them more money than is actually owed. They are telling me that even though I am paying every XXXX rather than XXXX, it would not affect my maturity date. People enroll in these types of plans to reduce the time it takes to pay off their mortgage loans. During the transfer process, I received letters from both mortgage companies stating that nothing will change about my loan terms or conditions. That statement appears to be false. I feel I am about to be swindled out of a lot of money without a true loan payoff date, ( maturity date ) bases on accurate financial calculations of my bi-weekly plan payments since XXXX XXXX. I feel the new mortgage holders of my loan account should not have purchased my loan if they did not agree with the existing terms and conditions of the bi-weekly payment plan from the previous mortgage holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted several disputes to XXXX and Trans Union to have fraudulent inquiries removed from my report and they continue to close the dispute without the desired results. Please assist with getting these fraudulent inquiries removed.

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 2021-12-10
Company: Apelles, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has been trying to collect a sum of money from me that they state is outstanding as a result of a three-year service contract. I never engaged in a contract with XXXX. They have tried to shift a possible service contract that my deceased father may or may not have had with them into my name. My father died on XX/XX/2019. His estate has been settled for more than one year. This is the second credit bureau to contact me. There was one previous one contacting me. My attorney communicated with them directly and explained to them that I do not have any debt to XXXX whatsoever, and explained that they must stop contacting me. They did, for many months. Then, this new agency began to write to my father. The mail was returned to them indicating that he is deceased. About a month later, they, too, began writing to me. I am in receipt of a letter to me today indicating that I owe them money for an outstanding balance. Nothing has changed : I don't owe them money. I never entered into a contract with XXXX. My father 's estate has been settled for more than a year, and there is no evidence that he ever entered in a contract with them. There is no money going to XXXX -- EVER! They, and all collection agencies -- including the current one ( APELLES ), must stop harassing me, or I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax announced on XXXX XXXX criminals stole personal information on up to 143 million people. This data that includes names, birth dates, Social Security numbers, addresses and driver 's license numbers will most likely be sold on the dark web and used to commit identity theft, credit fraud, tax fraud, fraudulent authorization data ( contacting your bank or credit card company impersonating you ). I went to their website and they stated I may be affected. When I went to their site to put a credit freeze on my account they want me to pay {$5.00}.

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

Complaint:
I do not owe any medical debt as my insurance pays it. This is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
All Tree credit reporting companies was given over 45 days to resolve my complaint. I never received anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
All Tree credit reporting companies was given over 45 days to resolve my complaint. I never received anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Carrington Mortgage, I 've requested a mortgage modification several times. My rate is keeps going up and my taxes and insurance is n't escrowed. I do n't want lose my home to foreclosure, but Carrington Mortgage refuses to modify my mortgage. 
I would appreciate your assistance in this urgent matter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services , LLC, XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX is unfairly inflating the Escrow reserves amount in order to increase our Monthly Mortgage Payment by 21.77 %. The escrow analysis was incorrectly prepared to reflect XXXX Winter Property Taxes being paid in XX/XX/XXXX, and XXXX Summer Property Taxes being paid in XX/XX/XXXX. The escrow reserves amount is excessive. Customers of Carrington Mortgage Services , LLC should be warned about the unfair servicing practices of this Mortgage Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The purpose of this letter is to formally notify Carrington Mortgage Services ( CMS ) that the hazard insurance premium payment was incorrectly calculated at the time of determining my qualifying modified total ( PITI ) mortgage payment. This results in me actually having to pay {$200.00} more than the determined qualifying payment amount. CMS has the annual insurance premium amount incorrect on their documents. CMS incorrectly calculated an annual hazard insurance premium based on half of the actual premium amount ( {$1400.00} ) when the total annual premium is actually {$3400.00}. CMS used the 1/2 premium mid year amount and divided by 12 months, versus the actual annual premium amount. CMS determined my total PITI modified payment to be {$1700.00} based on this incorrect figure. Using the correct insurance payment of {$290.00}, as identified in the insurance billing and the modification request package, would result in a lower P & I payment to be equivalent to the {$1700.00} PITI payment. I am requesting the P & I payment be reduced to reflect the correct PITI amount of {$1700.00} as agreed, with the correct hazard insurance payment amount. Not doing so will result in my escrows being insufficient and resulting in me paying a much higher mortgage payment that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
To whom it may concern. XXXX XXXX XXXX has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact FREDERICK J. HANNA & ASSOCIATES, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX & gt ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have a Mortgage with XXXX XXXX which was serviced by LOANCARE. The mortgage was recently refinanced and paid off. I inadvertently sent in a loan from my bank 's web bill pay after the loan was paid off and that account number was closed. I have been trying for close to a month to get the money refund. Three phone calls just today alone and I was shuffled from one customer rep to another repeating the same information over and over. I have called LOANCARE 6 prior times and fax them the info they asked for which they said they did not received. I even verified the fax number was correct with a customer representative. 
In one phone call the customer service rep placed me on hold and after 10 minutes on hold a different customer service rep picked up the phone and so I had to repeat everything all over again. She then placed me on hold and next thing I know I had a dial tone. 
There is no doubt in my mind that they do not intend to give me my money back and is stalling hoping I will go away. But i am talking about almost a thousand dollars. Now they want me to email the same information they did not received via fax even though I verified I sent it to their correct fax number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My application to XXXX XXXX for a credit card was declined and the stated reason was " Bankruptcy on Credit Report '' and the report was stated to have come from Transunion. My credit report as supplied to me by Transunion does not show a bankruptcy therefore they will not let me dispute anything but XXXX XXXX are adamant that the report supplied to them " has bankruptcy related 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 2019-12-14
Company: Army and Air Force Exchange Service
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a Military service member stationed in Louisiana since XX/XX/XXXX. According to Louisiana state law all creditors can only charge me a max interest of 6 %. I have a Military Star Card and my interest rate is 11.99 %. I notified the exchange credit program and sent them a copy of my orders and the state law and they thought I was a XXXX and refunded me {$200.00} in interest for the months of XXXX, XXXX through XXXX, XXXX. They then put my interest back to 11.99 % and told me to let them know the next time I am on orders. I explained to them that I am XXXX XXXX and they owe me much more of an interest return and they have to reduce my interest to 6 % and leave it there until one year after I XXXX  in accordance with Louisiana state law. They realized the mistake and returned an email to me saying that they would comply with the adjustment and refund. I have copies of all the emails. After getting the runaround for two more months they then emailed me and stated that they do not have to comply with the state law since they fall under the federal government. They are a credit card that charges interest and reports to credit agencies. Is it true that they do not have to comply or are they just making an excuse to maintain profits?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Creditor's Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDITOR COLL SVC has posted unknown medical bills to my credit report more than 12 times for the same {$80.00} medical fee as well as an {$110.00} dollar open balance all posted on XX/XX/2017. This balance has since been resolved

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 2016-10-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
To Chairman and CEO XXXX XXXX XXXX : I called your customer service number at approximately XXXX, on XX/XX/2016. The hold time was very extensive. Subsequently, a representative who provided the name of XXXX answered, and then verified by password and other information. I seldom dial your Customer Service Department ; however, upon reviewing my online account, I noticed that a NSF charge dated XX/XX/2016 was assessed to my account. I asked XXXX when the returned item was presented to Compass Bank for payment. XXXX told me to hold for a brief moment, and before I could respond, he had placed me hold. After holding several minutes, XXXX hung up. I want the call reviewed. And I want XXXX discipline. 
Basic customer service training should require that Compass ' telephone representatives ask to place a customer on hold, and then wait for a response. Further, under no circumstances should a representative hang up on a customer, particularly since he knew the office would be closing soon. Presumably this is why I was placed on hold and disconnected. Further, the question that I asked, should not have required that XXXX place me on hold at all, considering on the previous day, I asked the same question inside a Compass branch, and the teller check the records in a matter of seconds. 
Regarding the issue of why I called. I visited your branch location at XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2016 and made a {$200.00} cash deposit. My receipt is time stamped XXXX. I asked the teller to advise if there were any pending items or NSF items. He checked and advised separately that there were no pending items, nor recently returned items. 
I submitted an electronic check late XX/XX/2016 for {$1200.00}. On the morning of XX/XX/2016, when I realized other items had cleared overnight, I made a deposit to cover the outstanding check of {$1200.00}. Yet, there is a NSF Fee assessed on XX/XX/2016. I want documented proof of when the electric check in the amount of {$1200.00} was presented to Compass Bank for payment. Considering how long I have had an account, with direct deposit, with this company, the {$1100.00} balance, prior to the {$200.00} cash deposit, should have been sufficient to pay an item in the amount of {$1200.00}, without me having overdraft protection. I know that you could have assessed the fee and still paid the item. I recognize that Customer Service may not be your company 's focus. Perfectly, acceptable, as I can remove my direct deposit from your bank. However, I do want a document reflecting when my check was presented to Compass for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019, Bank of America has reported to the credit bureau debt that does not belong to me. I have never submitted an application for a Bank of America credit account. Bank of America did not obtain my permission to access or use my credit. In addition, I was not notified that there was a problem until negative information was reported on my credit report. Bank of America is harassing me and ruining my credit to punish the account holder. The account is not my account and is not my debt. The account belongs to a relative. I received an alert from my credit monitoring service that Bank of America added an unpaid debt to my XXXX credit report. I have disputed the information with XXXX  and it was deleted. Then XX/XX/2019 Bank of America added the debt to my XXXX  credit report as a closed account. The tactics that Bank of America are using are unethical and illegal. 

In reference to the request below for contracts or reciepts, there are none because this is not my debt nor does Bank of America have a contract, permission, or approval with my name on it.

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 2021-12-10
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: Information belongs to someone else

Complaint:
The collection XXXX XXXX in the amount of {$810.00} is not mine and showing on my credit report. I have contacted them several times and they have not complied. I even sent letters to all 3 credit Berueas and they too are not complying and they are not adhering to their timelines. I even have certified letters from all 3 bureaus not once but 2 times for this matter! The last certified mail was on XX/XX/2021 How many times must I send certified letters before I get a response? My original contact with the lender and the bereues was back in XXXX! 
I have asked to remove this erroneous item from my report. I want this taken off my credit report ASAP. This is not mine, and this is causing me issues in obtaining a mortgage.

Company response to consumer: Closed with explanation