BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: Nationwide Recovery Systems, Ltd
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fair credit reporting act violated. I was not notified of a collection account placed in my credit report. I was notified on XX/XX/XXXX-2020 that a collection account was reported to the credit bureaus. Upon investigation, I was not notified of this by the collection agency prior to it being reported on my credit report. I legally have to be notified in order to dispute/resolve and have the debt validated. I was not given that option. I have disputed the debt with credit reporting agency 's but the debt remains as a negative item with high impact on my credit file while the dispute is being processed. I am also mailing a certified dispute letter, kindly asking them to remove the account from credit reporting until validation. Fair credit reporting laws have been violated by the collection agency. The amount of the debt is {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
received notice from collection agency with no information of original account or product. Called them, put on hold then sent to message center but their mail box was full and was disconnected. Amount is only {$5.00} so seems like fraud -- too small amount to worry about so pay it may be desired response.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband and I requested our credit reports for the first time on XX/XX/XXXX and in the cases of XXXX and Equifax , we were asked questions about possible loans that we might have. For example at Equifax : " Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? '' There were multiple choice answers. When we checked, " None of the above. '' we were told we must submit a request for the report in writing, and could not locate a person to speak to as to whether or not there is a listing under our name for a car loan. A similar question about a mortgage was given at XXXX. We have no loans, but now can get no information about whether someone has appropriated our identity to obtain loans. However, Equifax offered to sell us a better security system ( lock ) to ensure that no one in the future could use our information. Is this a scam on the part of the credit agency? I feel we are entitled to immediate information from them as to our credit rating and possible abuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: SD
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:
In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a Delta Gold American Express card and a XXXX American Express card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by American Express credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts American Express is reporting incorrectly that I am the individual on the Gold Delta American Express Card and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. XXXX has reported fraudulently I am past due on an account I am not on not responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Compass bank opened credit cards for both my husband and I without our consent when we opened a checking account at the bank back in 2006. We closed our acoount there after that happened bc it was so shady. Y

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I Owe A Balance of {$2300.00} and i have been trying to be reasonable as possible to get this resolve i told the Debt Collector That I was XXXX And Not Able To Pay I Sent In Proof Of That By A XXXX Judge I Faxed In A Packet Of Papers They Make Like They Did n't Receive Them The Lady Name Is XXXX XXXX She Got A Really Nasty Attitude With Me Frederick J Hanna And Associates Law Firm XXXX Is The Third Party Collecting The Debt And I Had Something where they was supposed to pay off the debt when you become XXXX but they lied and they was charging me {$8.00} Monthly For That Service and It was n't Benefiting me at all they supposed to pay up to {$10000.00} if you become XXXX and I told Them That I Was XXXX And Not Able To Work Faxed In Papers From A XXXX Judge and they Make Like They Did n't Received the Fax and They Gave Me They Fax Number and I Even Have It On Paper the fax Number is ( XXXX ) XXXX and their telephone number is ( XXXX ) XXXX I Want Something Did About This And XXXX XXXX Supervisor XXXX XXXX is a Man Going Along With Her and they taking me to court over this on XXXX XXXX at XXXX I Received a paper From The Law Firm XXXX XXXX XXXX That Is Stating Dear XXXX XXXX we have been advised that our client 's lawsuit against you in the above case was recently served. if you are interested in resolving this case without further legal proceedings, we invite you to contact our Legal Department at ( XXXX ) XXXX to discuss your case in the event you are unable to reach a representative, we also welcome you to contact us via fax at ( XXXX ) XXXX or email XXXXXXXXXXXX, with a brief explanation stating how you would like to resolve this matter. and a representative will be in contact with you. However please note that contacting our office does not relieve you of any requirement ( s ) to file responsive pleadings with the court we would like to reach an amicable resolution to this matter. Payments and communications should be made only through our office. We Look foward to hearing from you This Firm is Licensed to practice law in XXXX, XXXX, XXXX, XXXX And XXXX. This Communication is from a XXXX Collector and is an attempt to collect a debt any information obtained will be used for that purpose. 
Sincerely, Frederick J Hanna And Associates, PC And When I Contacting Them XXXX XXXX said That Got Noting To Do With You Go To Court Let us Know How It Went but the Letter came to me With my name on it she had A Very Nasty Attitude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, my case No. XXXX, last month I filed a complaint because Carrington mortgage services llc, increased the monthly payment to $ XXXX/mo, the reason was because the home insurance premium was up, I was paying $ XXXX/mo ( I found the reason about the insurance after they lied to me many times ), so on XX/XX/XXXX, the payment went down to $ XXXX/mo ( attached documents ), and they told me that 's amount I will be paying the rest of the year 2016. Today XX/XX/XXXX, I received a letter saying that they increase the payment again to XXXX/mo, I wonder if they will tell me another excuse and keep increasing the payment every month. On the first complaint I asked to turn the loan back to XXXX XXXX XXXX XXXX, these people are in the state of XXXX, I live in XXXX XXXX, and I 'm XXXX, for me it 's easy to go any XXXX XXXX. I never asked XXXX to turn the loan to Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with BBVA Compass Bank. I used my debit card two times on XXXX/XXXX/17 and the I had a loan payment of {$310.00} come out on XXXX/XXXX/17. this was a bank draft payment. the bank arranged my debit payment to cler after the bank draft payment to come out after my debits thus charging me XXXX overdraft fees. I do n't agree with them arranging payment to charge more fees. I am a single mother and I need my money. they have also charged me and extended over draft fee of {$25.00}. I am being charged over {$100.00} in fee because of their greed this need to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was contacted by Loan Care and informed that they would be collecting property taxes from my escrow totaling over XXXX dollars. 
I called Loan Care and informed them that my property taxes are exempt because I am a XXXX veteran. I also explained to Loan Care that the Title Company submitted the property tax information in closing of the mortgage loan and the exemption is recorded in XXXX County Deed of Records. Loan Care informed me that I am not allowed to speak with the tax department and to send them a tax bill. 
I explained that I do not receive a tax bill from XXXX XXXX XXXX because the taxes are exempt and I had already sent Loan Care the property tax information. Loan Care disconnected the call. I called back to Loan Care and they told me that they were not going to ask the title company for any information and they did not receive my tax information. 
I am asking for Loan Care to accept my Property Tax information from XXXX County and the Department of Veterans Affairs and then update my records. I am also asking that Loan Care stop having people answer calls that do not have authority or competence to handle customers needs. 
Finally, I am asking Loan Care not to collect money from my escrow account for property taxes and to address the issue of the Loan Closing being improperly handled.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX.On my experian credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXX.They must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.

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 2015-08-12
Company: U.S. BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2015, I logged into US Bank 's website, and scheduled a payment for {$1700.00}, which is customary. The payment was scheduled to be delivered on XXXX/XXXX/2015, which is within my grace period. The bank XXXX the payment in the online form, which caused {$3400.00} to be debited from my checking account. I did n't pay close attention, and actually authorized the payment. The bank refunded the 'official ' late charge by using the one-time-life-of-loan-late-charge-forgiveness, but I still had to pay US Bank a {$20.00} return check charge, and an additional {$5.00} 'processing ' fee for making a payment XXXX days past the due date. In addition, I had to pay a {$29.00} insufficient check charge to my own bank. 
This month ( XXXX ), I again scheduled an on-line payment on XXXX ( today ), to be delivered on XXXX. This time, the bank did not XXXX the payment on the online form. 
I believe there is a flaw in the bank 's online payment system, but they refuse to acknowledge it and refund the {$54.00} fees. 
Additionally, they have started a practice of calling me and wanting to know when I am going to send my payment, even though I am still within my grace period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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:
It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my XXXX Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you

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 2016-01-22
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was charged late fees by my mortgage company after they claims that with my correct bank account number and routing number, they failed to " recognize '' my account. I have received an email confirmation for the payment that the fine was charged on, and yet without another email notifying me that they failed to charge me ( for the same charge that they confirmed! ), they charged me a late fee instead. I sense a borderline fraudulent practice to profit from customers by fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm a desperate consumer. I don't know what else to do to get a response from Barclays. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I thought the account was closed, as I couldnt login to account. The card he had was expired, I thought I was getting a replacement card. Then an {$89.00} annual fee came on and I ended up being over 90 days late. I wasnt even aware of this fee. 

This company has been reporting wrong information. 

Barclays has been negligent. They have committed the following actions, which are considered busines ' violations.Unfair business practices, Failure to provide adequate customer service, Breach of contract, Negligence, Violation of Cares Act. 

Account : # XXXX, Date Opened XX/XX/2000, Balance {$390.00}, Credit Limit {$40000.00}. 

I WANT THE LATE PAYMENT CORRECTED AS A COMPENSATION FOR ALL THE DAMAGES THAT I HAD TO GO THROUGH. 

Please sed the attached documentation to this company. 

Thank you.

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 2015-08-21
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling from different numbers every week asking for money I do n't have. I 'm unemployed & have XXXX. So I finally just stopped using my phone. Which I need to have in order to stay connected with family & doctors.

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 2020-12-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Although I have emailed and phoned my mortgage company multiple times ( they NEVER pick up the phone and have had me on hold for 2+ hours and then my phone goes dead ) then when following up with emails to them, they never respond with an answer to my questions. I first applied for a loan modification in XXXX, but ongoingly they would not give me a decision/answer in any form. Then when pressured by me via email this month to let me know of their decision, I finally received a reply by mail that my request had been denied. It was then when I requested several times via their website a forbearance for my current mortgage. Again, no answer from them. 
Further background of this situation is as follows : I was diagnosed with a serious XXXX XXXX at the beginning of this year. I had to have a valve replacement, and then in XXXX I was informed that I am so advanced into XXXX XXXX that I am going to need a XXXX XXXX. My XXXX  told me I would not be allowed to go back to work until I could receive the XXXX  for XXXX Although I receive Social Security payments monthly, it is not enough to pay my bills including my mortgage. I was able to eek by and send my XXXX mortgage payment, but for future it will not immediately be possible. The main reason payments for XXXX and beyond may not be possible for me is especially this : I have had an adjustable rate mortgage for many years, and my highest payment has been {$750.00} during that time. I was forewarned that my payment would go up on XX/XX/2020 to {$2200.00}. And, indeed it did. I have been turned down when requesting first a loan refinance, and then the loan modification. That leaves me in a real pickle. Since I felt then that I should at least deserve a forbearance intervention, as I have said, I applied with them online at least three times and never have gotten a response to my request, in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been dealing with numerous issues with this company, and since my last complaint when the messed up on my escrow and accidently cut me an overage check ..the agreement with XXXX a supervisor whom I spoke with on XXXX XXXX 2015, Phh had cut me an overage check for my escrow which should not have been dispersed to me because their system thought my home insurance was paid for XXXX 2015 but it had not been that 's why the check was cut to me, which caused my to have an underage in my escrow..When I spoke with XXXX we agreed to take the escrow overage and break it into 24months, so my house payment would be XXXX and some change so I rounded up to XXXX. On XXXX XXXX my bank account was charged XXXX causing my bank account to go negative XXXX, and that caused a XXXX over draft fee, so PHH charged me an amount we did not agree upon, and caused my banking account to go negative total of XXXX. I have had nothing but problems with this company, I never receive my supervisor call backs when I request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed numerous disputes, I have also been locked out of my XXXX and XXXX online accounts. I have not used credit in years as I was incarcerated. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports immediately

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 2017-01-18
Company: Collection Bureau of America Ltd.
State: VA
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:
Debt of {$360.00} showing on my Equifax account for a water service that I do not have.

Company response to consumer: Closed
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a XXXX XXXX XXXX XXXX loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue

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