BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am challenging Public Record Information on my credit reports as being inaccurate in its filing. The bankruptcy was initiated by the Federal Court, a government agency. Accordingly the term " Dismissed '' means that it is adjudicated by the law. The filing case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX I have provided Seterus with my XXXX County Property Tax Examption Certification for the tax year, as instructed by my County Property Tax Office. about a month ago. Their " telephone customer service '', determined that a " check for approximately $ XXXX+ was issued to me and sent to me back in XXXX, XXXX, for the tax year XXXX. I never received this check. Though a small amout about a {$100.00} refund ( unrelated ) subsequently I did received XXXX, XXXX time frame. So, after being in phone conversation, each time about an hour, with Seterus Tax Dept ( XXXX XXXX ), and Seterus Customer Service, I was told on XXXX XXXX, XXXX, a check for {$2900.00} ( aprox ) was being issued, and sent to me by mail to my mailing address, within 7 to 10 days of XXXX XXXX, XXXX ( the day I called first regarding my " Property Tax refund check for XXXX '', after faxing them the " Property Tax Exampt Certificate from my XXXX County Property Tax dept, as suggested by the county tax officer. This was the 2nd one hour phone call with Seturus Customer Service. 
Today, XXXX XXXX, XXXX, I called Seterus Customer Service again. After holding for 56 minutes on phone, with this customer service rep, she told me something very different. 
I was told that no check was sent to me, as promised on XXXX XXXX, XXXX. That an " escrow analysis '' will be done on XXXX XXXX, XXXX, as they do that once a year. After that, they may or may not send back the " XXXX TAX Refund Check ''. 
I have a family medical emergency with XXXX family members, and I have medical bills to pay, and this " uncertainty '' and repeated misleading statements and required enormous time spent on phone with their customer service dept, is an enormous burden. Seturs by the way, was selected about 4 years ago, when I did a loan modification via the Federal government, and this company was selected by the FHA loan that I had at that time, via loan modification protocol I submitted. I have never defaulted on any monthly mortage payments since that time, and have set up automatic withdrawl each month as per their instructions from my checking account, renewed every three months since then, by phone as required by Seturus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received two unblocked calls from Phoenix Financial Services. I also received several blocked calls on the same day. I dont get that many phone calls in a day and it is strange to have 5 blocked calls in one day. When I called they were looking for a debt from someone else I started to tell them it wasn't me and they hung up on me. I have a screen shoot of the phone calls. The phone number they called from was XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28
Company: Liberty Home Equity Solutions, Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband XXXX XXXX entered into a Reverse Mortgage Agreement with XXXXLiberty XXXX in XXXX of XXXX. In order for him to obtain the Reverse Mortgage, my name had to be taken off the deed because of my age XXXX less than XXXX years of age at the time ). My husband XXXX passed away on XXXX XXXX, XXXX due to XXXX. XXXX/Liberty XXXX is attempting to foreclose on my childhood home that has been in my family for over 3 generations. 
I have attempted to keep my home by being told in the beginning that I could obtain a loan of 95 % of the appraised value of my home after my husband 's death. I also filed " probate '' of my husband 's Will ( even though he had no life insurance ) but I probated his Will incurring additional expenses in order to give me authority to sign a sales contract from his estate to myself -- this was done only to find out later ( after executing about 3-4 sales contracts ) that there is no way that I am able to obtain a mortgage on my home as it is must be a " short-sale '' and it is too " complicated '' of a transaction ( arms-length ) transaction. I did not pay real estate/county or borough taxes since my husband 's passing because I did not want to incur additional expenses only to find out that I would still be unable to live in my childhood home. Now my home is set up for a " sheriff 's sale '' on XXXX XXXX, XXXX for " unpaid real estate taxes. '' I spoke to XXXX/Liberty XXXX today ( XXXX XXXX, XXXX XXXX and was told that I need to pay all delinquent taxes in order to stay in the home but even if I pay the delinquent taxes that there is no guaranty or assurance that I can remain in the home and it is entirely up to HUD. I am not in a financial position to pay delinquent taxes and then to later find out that HUD still refuses to allow me to maintain residency in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: U.S. BANCORP
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
U.S. BANK RECOVERY VIOLATED THE DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ALSO, FAILED TO CORRECT BILLING ERRORS, AND THE CAR AND WARRANTY FAILED AND FILE LEMON LAW COMPLIANTS AND ARE NOW DEMANDING A SURRENDER AGREEMENT.

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 2023-07-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The company didn't honor the warranty the was agreed in the contract. 





CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of the wests XXXX Contact Center supervisor named XXXX ( bank number XXXX ) is worst candidate to represent Bank of the West. 
I have had two overdraft fees charged on my checking account on XX/XX/2023. I usually use my bank of the west account on sales deposits for one of my online stores. I contact the bank customer service to get help and get my overdraft fees to be waived. I was told by first representative XXXX from XXXX office that he can reverse one of the payments only. He told me I can ask my supervisor for second overdraft fee to be reversed. After XXXX the supervisor got on line whole story changed. Supervisor XXXX states that the representative gave me wrong information, that she will not refund non of the overdraft fees. She didnt want to give out any information about representative, most likely she didnt want to me to have a reference. I have work for my money hard and for {$12.00} charge I hate to get {$35.00} overdraft fee charge. She is most rude and doesnt even hear what customer has to say. Her position is customer service supervisor and the way how he handles is going to bring a lot of lost customers for Bank of the West. If bank of the west agent doesnt contact and help me resolve this issue within timely manner, Im leaving the bank. I dont want to have any business with the bank that lets their supervisor act very unprofessional and hang up on the call even though you try to ask them question or details of decision.

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 2023-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They offered me a settlement which I paid. They held my funds for XXXX business days enabling them to report only the decreased balance but not the settlement. They then reported the settlement but have yet to remove their tradeline. They have stretched the length of time so they can continue to negatively impact my credit when theyve received their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: WESTERN UNION COMPANY, THE
State: AE
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent a previous complaint on Western Union. I now tried to submit yet another transaction and have been denied again. I now have to call again and go through the same frustrating process that should have been resolved with my previous transaction. this is so frustrating to be overseas and subjected to this kind of services from Western Union. Please publish this and my previous complaint. may it will prevent other military members/veterans from going through this misery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. 
Their action has severely damaged my family 's credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
CREDIT ACCEPTANCE knew that I wouldn't be able to make the payments for the car loan. The loan wasn't explained to me. I feel like this company validated my consumer rights. 
The car broke down within the first month. I reached out to the car lot for assistance and I was turned away. 

Overview You have 100 % left to pay on this loan. 

Balance {$23000.00} Highest Balance $ XXXX  Monthly payment No Info Opened XXXX XXXX XXXX ( 6 yrs, 8 mos ) Term 60 months CREDIT ACCEPTANCE CO XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI 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 2023-08-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
There was a payment differed agreement for the month of XX/XX/2023 with TFS for an extension of this payment. The company submitted a late payment to my Credit profile and ive never been late with this this creditor, you can view my previous complaint number XXXX, there is an attach file with the contract and the payment differed agreement that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Equifax 's online system failed to temporarily lift my credit freeze, for both myself and my wife 's accounts using the valid XXXX digit pins we were previously issued. XXXX and XXXX both worked fine the first time. Additionally, Equifax has no alternative options on the weekend to lift the freeze and maintains limited phone support hours during the week. The last time I had to temporarily lift a credit freeze they also mis-managed the situation and made it difficult. 

Equifax is a poorly run credit bureau and I hope that they will cease conducting business and be replaced with a reasonably well managed and deserving alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX CFPB Can you help me get these " Qualified Written Requests '' answered? 
Please consider this information petition a " Qualified Written Request ''. 
1. In the 3 month trial loan modification dated XXXX XXXX XXXX, page XXXX, it states " we ( Planted Home Lending ) will hold the trial period payments in an account until sufficient funds are in the account to pay your oldest delinquent monthly payment ''. Could you please send me a breakdown of how these amounts were distributed? Also how were the next three months payments applied? 
2. Please send me a complete escrow statement for XXXX. 
3. There have been several changes in the last couple of years as in ; sold, transferred and contracted. We need to correctly up date our records. Who is the current Note Holder on our loan?

Company response to consumer: Closed
Consumer complaint received 2015-06-12
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, today, XXXX XXXX, 2015, I received an harassing collection letter via US mail from a agency called J.C Christensen & Assoc., Inc. concerning a judgment or debt I, XXXX XXXX XXXX am not a party to. I did send via certified mail a debt dispute letter to cease collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: URS Holding, LLC
State: FL
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 College at XXXX claims I owe them over {$730.00} plus an additional {$230.00} in collection costs. They claim it is owed for books purchased. However, my books and school materials were paid for by my financial aid. Which was denied that semester they are claiming the debt was incurred. I did not receive any books because I did not receive financial aid. I have been trying to get this fixed for a while now with now cooperation. I am XXXX with my XXXX. And simply want this situation rectified so I can complete my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Focus Holding Company
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:
Account Opened for collections XXXX/XXXX/2015 original creditor XXXX XXXX. Removed and reopened still lingering on my credit report. 
Account was never opened, no business conducted with XXXX. 
Spoke to XXXX XXXX and XXXX ( did not provide last name ) who advised to send a letter to below address to dispute collection report/Certified letter to be mailed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Johnson Mark LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is calling me repeatedly from various XXXX numbers in an attempt to collect debts that were discharged and well beyond the statute of limitations. I currently have no outstanding delinquent debts. They have texted me, called my personal phone and my business phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a bank account at Wells Fargo in XXXX, Co. in 2015 and had my Veterans Administration Pension deposited directly. While my account was active, the bank received a garnishment letter from XXXX XXXX Child Support Enforcement Unit. Due to my deposits being from Veterans Affairs for my pension, the account funds was not garnishable. Wells Fargo charged my account XXXX dollars for processing the garnishment order, like I mentioned, led to non garnishement. I contacted the Regional manager from Wells Fargo Bank by phone at was told that once the account is cleared by the XXXX, that they would credit the XXXX dollar negative balance my account had because of the order. It never happened. I went to the location where I opened my account and talked with a bank rep. but was unable to get the reversal of the XXXX dollar debit which led to my negative balance. My account is was closed by Wells Fargo for not getting the funds after I stopped my direct deposit and has sought other collection procedures to include phone calls to my phone asking when I was going to pay 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 monetary relief
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have asked my mortgage servicer to remove the escrow reserve on my account and re-analyze with no reserve/cushion. They refused initially and have since said they " are researching ''. I have the option to keep a reserve or not. If I choose not to have a reserve, I bear the responsibility of absorbing larger changes in escrow elements from year to year, which I am willing to do. RESPA only allows for up to XXXX months, and my state allows for the same, but neither requires a reserve as part of my escrow account.

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