BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Below are the following accounts have been disputed XXXX times due to identity theft. 

National Credit Systems, Acct # XXXX {$2300.00} XXXX XXXX Credit Systems Acct # XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In early XXXX American Express closed all of my personal and business credit and charge cards with out notice. This not only left me without being able to get gas or groceries but effected my business as I had several business cards with American Express. They acted with disregard for my business and the several cards I held with them. I charged thousands each month on each of the cards and they were my primary card issuer I utilized. They were not commercially reasonable in their closure of my accounts and did not refund the annual fees I had paid, some a mere month ago. I reached out to American Express on multiple occasions and received no information regarding the closure of my accounts. My points were forfeited and earlier in the summer I had approx. XXXX American Express Membership Reward Points " clawed back '' with out specific reasoning. There practices are not consumer friendly and leave me and my business in the dark in regard to my " violations ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a happy loyal USAA member until recently. I recently had a charge on my account that I did not authorize. I called USAA, and they issued me a new card and opened a dispute. A couple of days later I got a call from a claims investigator who asked me for more information. I told him that I did not recognize the charge, and he basically told me that was going to deny the claim because I have a chip card and " that didn't make sense ''. He told me to verify with members of my house if they took my card or not, which I asked my husband and he said no. Didn't matter - USAA denied my claim because he didn't think it made sense that happened. As if that was enough of a financial burden caused by USAA ( me having to pay for a transaction I did not authorize ), I made of payment of {$8000.00} on XX/XX/2020. It cleared my checking account by the next morning, and I see the payment in my transaction history, however USAA is holding the payment for 7 days. In all the years I have been a member of USAA they have NEVER once held a payment. Thinking it was a glitch, I made another payment of {$1000.00} so that I could use my card. NOPE, USAA is holding that as well. I called on XX/XX/2020 and spoke to someone who was extremely rude telling me that USAA will hold all payments now for 7 days and that I can't use my card until XX/XX/2020. UNACCEPTABLE. When i asked her why, she told me because I was over my limit. I told her that I was waiting on funds from the sale of my house to pay, however I was never late on my payment, and I was only over {$130.00} and that is because USAA posted interest on my account BEFORE the 2 purchase I made, which caused the overage. Furthermore, if USAA was going to " select '' what they posted first, why didn't they decline my transactions? She told me it didn't matter, that both of my payments were going to be held for 7 days. I asked her to reverse the {$1000.00} payment then so I could at least have some money available to me, and she said she could not. I told her on the USAA app it says to call to cancel a pending payment ( I made the payment about an hour before I called ) and she said nope. I asked her to transfer me to someone who could. Nothing. She just said she needed to have someone call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, a mortgage company that bought my home loan, effectively stole from me for over a year. 

In my closing documents I showed that my insurance company, XXXX, had the homeowners insurance on my home. It was part of my escrow account that determined my monthly invoice owed to Mr Cooper Yet Mr Cooper decided, on their own, that I didnt have homeowners insurance and effectively double charged me by adding on an additional XXXX $ per month to my escrow for their in-house insurance company. 

Once I noticed the amount coming out was wrong I contacted Mr. Cooper in early XXXX and eventually they refunded over {$4000.00} to me because of this double charge. 

They did not return any interest that money should have earned. In addition the following month, XXXX, they went ahead and charged me the higher amount again. That lead to a non-sufficient funds charge on the account because I was not expecting a higher amount. 

After numerous phone calls, they finally decided to wave the extra fees because the account wasnt paid on time None of this shouldve been a problem, except that Mr. Cooper thought they could get away with charging me twice for my home insurance, with their in-house insurance company. 

So to recap, Mr Cooper took out extra money, kept it, Im sure invested it, and it was only when I had to make numerous phone calls to get them to fix the problem that they decided to return my money without the interest. 

I believe this is clearly a deceptive practice and should be investigated to see if its being done on a widescale basis. 

Please contact me if you have any questions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am dealing with a XXXX diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2019 without my approval Amerihome mortgage started withdrawing electronic payments from my bank, XXXX XXXX. At the same time they continued to send me paper mortgage payment bills. I didn't notice the additional payments on my bank statements until they increased the amount due to an escrow shortage. I only glanced at my bank statement amounts and the payees, since I have only about five people I make payments to a month. Most of these additional payments were spaced out between my regular payments. I asked Amerihome for proof showing where I asked them to make these automatic withdrawals which they have never done. Amerihome has told me I made the request electronically and they sent me a copy of a confirmation, which I have never been able to find on my computer. When I called Amerihome to have them refund the excess payments I was told they applied them to my principal and they would make no refunds. I have reviewed all the payments I've made and the elctronic payments taken by Amerihome. There is one payment I have made that they have recorded but have neither applied to my principal, or future payments. I've made a spreadsheet recording each payment I've made, the electronic payments and where each is recorded. I sent this to Amerihome and have not heard any response to my comments. What happens when I send correspondence to them any response they make is not at all related to my queries. I don't know if they are trying to play a switch and confuse, or what their game plan is but I see their actions as fraudulent. They are telling me my next mortgage payment is due for the XXXX payment, by my calculations, noted on the spreadsheet, my next payment is due for the XXXX payment. I would like Amerihome to either take action to correct this by either applying the last payment to the XXXX payment or refund it to me. The sum is {$930.00}. I have paid my escrow shortage to help eliminate any confusion on their part, since they can't seem to follow simple instructions. If I had one person I could talk with at Amerihome who had some authority I truly suspect some of this possibly could have been eliminated, but they way they do business they shuttle you to different people every time you call or write a complaint. 
I will attach all my correspondence I've had with Amerihome, copies of all my statements and a PDF of the spreadsheet I've prepared and sent to them. 
Short of legal action against them this is my last recourse. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax and  XXXX  wo n't give credit report online, but experien did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I see this on my credit report and never heard of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Diversified Consultants Inc has reported a collection account to my credit report. I have disputed it and they have verifed the debt to the credit bureau. They have failed to provide any physical documentation to prove this debt or that they even have the right to collect for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: PROVIDENT FUNDING ASSOCIATES
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our PMI dropped off of our mortgage payment changing the amount owed for XXXX 2015. I was waiting for our payment coupon book to be sent to make the payment. This is how I have always paid our mortgage for the two plus years we have been with Provident Funding. When I did n't receive the coupon book I call Provident Funding on XX/XX/XXXX, to ask what was happening. The customer service rep. informed me that the new book was ordered XXXX XXXX and I should receive it in the mail by the end of the week. That was all he told me. I finally received the coupon book XX/XX/XXXX ( Sat. ). I mailed the payment in on XX/XX/XXXX ( Tues ), due to the XXXX XXXX on Monday. I knew the grace period was up on Friday XX/XX/XXXX, but I hoped the check would make it in time and since they had sent the coupon book late I felt reassured that they would n't charge me a late fee, since the delay was caused by Provident Funding not issuing my new payment book in time. Provident Funding did not receive the check by XX/XX/XXXX ( they cashed it on XX/XX/XXXX ) and have since charged me a late fee. I called several times to explain that it was n't my fault it was late, but they refuse to wave the late fee and say I should have paid online. I explained that I was never advised to do that. I always pay with the monthly coupon book. I was treated poorly by all the costumer service reps. One supervisor even suggested I was lying about calling on XXXX, even though I called from my cell phone at XXXX XXXX ( EST ) and have a record of that and provided them with that information. They say they ca n't locate that call. They told me they could n't wave the fee, then admitted they could. When I asked under what circumstances would they wave the fee, they replied " When Provident Funding is found to be at fault. '' I pointed out that they were at fault when they ordered me my payment book the day after my payment was due. They were forcing me to pay late. I got no where with them and am complaining because of the terrible way I was treated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-17
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about  XXXX ,  2017  I was informed that I had to appear in court on  XXXX   XXXX ,  2017  to answer a Complaint for Damages. I do not have a recollection of owing a debt. Furthermore the alleged debt has no standing in court as the statute of limitations has run, the affidavit submitted in support does not identify an account number associated to me, and the company  Calvary SPV I LLC and a ttorneys  XXXX ,  XXXX  and  XXXX  knew or should have known that this is a zombie debt and this is a form of harassment knowing that the law suit filed can not be maintained. How many law suits like this are being filed. Below I have listed the name of the company and attorneys addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Remex, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoken repeatedly with Remex to resolve this issue. I have a claim number and a payment number provided by a state employee. Remex is requiring an explanation of benefits as proof - however, consumers are not able to request this information. The provider is to request a remittance by calling XXXX and providing an NPI number. I have spent days and countless hours speaking with representatives from both the NY XXXX and Remex, and nothing has been resolved. I am physically unable to obtain a copy of the EOB due to HIPPA regulations, and Remex/Well Now has made it blatantly clear they will take no steps to follow the procedure set in place to acquire this documentation. 

As I have taken the steps to provide proof and have been met with accusations that the debt remains unpaid, I consider this a fraudulent attempt to collect a debt that has been paid over a year ago. A state employee with the NY XXXX has suggested I file a report with the state. 

Claim : XXXX Payment number : XXXX This has severely damaged my credit score. I have gone from an XXXX to XXXX after a history of perfect payments. 

Please help me to resolve this issue! 

Thank you! 

Best regards, XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: CreditGUARD of America, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Credit Guard told me I would receive a refund of {$420.00} upon cancelling my account. That was over a month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information, along with my wife 's, has been compromised in the Equifax hack of 2017. I have since had to spend time creating credit fraud alerts with all 3 major credit bureaus. I am also in the process of freezing my credit on all 3 major credit bureaus, some of which require me to pay for such an action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have more than one issue regarding this company. I changed my account information and the company decided to remove payment from the previous account after I told them not to. The lender charged my account for the wrong amount and on the wrong day. The lender also did not credit a payment they withdrew. The company is insincere and hard to work with. I have spoken with XXXX ext. XXXX, XXXX XXXX, as well as the manager XXXX. I have sent emails to rectify the debt and they have not returned any. They continue to withdraw money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
CONTACTED XXXX  TRANSUNION AND XXXX  IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks  and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2017-01-06
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XX/XX/XXXX I received a phone call from XXXX XXXX, Mortgage Loan Originator for the Money Source, who currently hold my mortgage. The call was to advise me that I qualified for a reduced rate on my mortgage and that I could refinance. The rate offered was XXXX. I currently have a rate of XXXX and that the closing would take place before XXXX. I followed all the necessary steps that was required. No closing date set. This went on for almost two months. I received an email from XXXX XXXX was to advise me that I would refinance for a 26 year mortgage instead of a 27 year mortgage, which I had no problems doing. The last notification from XXXX was on XXXX XXXX, advising that the loan would be done in XXXX as they could not close before XXXX which was the planned date. I was NEVER told that the rate would expire. He advise that right after the holiday we would be able to close. As of today, XXXX XXXX, I had not heard back from XXXX I sent an email to his account. I received a phone call from a XXXX XXXX of the Money source who advise me that XXXX was now in a leave of absence and that the rate lock had expired on XXXX/XXXXXXXX That a rate extension had been submitted but it had been DENIED. 
Please note the following : I was never notified that the rate had not been extended as XXXX XXXX did not advise me of that face. Secondly, No one at the Money Source had the professional courtesy of calling, writing, emailing or even texting me of the above set forth. 
I am of the opinion that the money source has acted in bad faith. They have taken advantage of the fact that the interest rates were going to go up and dragged this refinance account through the beginning of XXXX to then advise that it was denied, when through the months of XXXX until XXXX it was available. 
XXXX XXXX also felt the need to advise me that if I were his client, he would have made sure that I knew in advance of what was happening. Furthermore, that I was not the only XXXX left in this predicament. 
I continue to have my mortgage with them and am in good standing with them but they have certainly left a very bad taste.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation