BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. My escrow payment was not made for school taxes, resulting in a XXXX % penalty, and i had to pay the taxes out of pocket as the servicer did not have adequate funds to do so. However when i refinanced, there were adequate funds to have them paid by the due date. The loan was sold 3x, and no one know whats going on. 
2. i have asked for an escrow analysis by Freedom Mortgage on XXXX XXXX, i have yet to receive an acceptable answer on whats going on. 
3. Prior to Freedom serving my loan it was serviced by XXXX XXXX XXXX, they did an escrow anaylis, after i changed my homeowners insurance, lowering my monthly payment. However they made an error and sent my insurance company another years payment, it was not due for nearly 10 more months. 
4. Freedom Mortgage said they did not receive my XXXX mortgage payment, i have a confirmation form my bank XXXX that the check had been delivered to them on XXXX XXXX. I recieved a phone call on XXXX XXXX stating my paymetn was not made, i advised i did make it and sent an email of screenshot showing delivery. On XXXX XXXX XXXX ext XXXX called again stating she was colecitng a debt and started to harass me, i explained what happened, i was transfered to an escalation leader XXXX and karlene XXXX, XXXX would put me on mute and hold while i was speaking, when i confronted her about this, she said yes she had been putting me on Mute while i was talking because i am rude for talking over her. The recordings will show evidence of this. 
5. Finally i was transfered to XXXX direct # XXXX, where we were getiting no where, saying she never recieved any of the emails of confirmation of payment, so i stopped payment on the check for {$1400.00} to Freedom, and paid over the phone with XXXX. I was told the payment would show on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and nothing has been taken from my checking account. 
6. I recieved a call form XXXX XXXX, asking me to verify information because Freedom emailed them and said XXXX is the servicer. I have never made a payment to XXXX, the rep form XXXX said you are not in our system, we are not servicing you. No one seems to know who is servicing my loan.

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 2016-06-08
Company: Financial Business and Consumer Solutions.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone opened a account with XXXX using a different address than mine. I was contacted by XXXX regarding this and squared it away with them. I started receiving daily calls from FCBS Services. The first time I answered a call from them, they started asking me to confirm personal information, but without telling me in to what this was regarding.I told them I would not confirm any personal information like my address and last XXXX of my social security unless I knew in what to it was regarding. After some back and forth I just hung up. They continued to call back every day. I received a letter from them and learned as to what this was regarding. They were trying to collect for a XXXX account opened in my name, but never paid the outstanding balance. I called XXXX and talked with them and they confirmed my account was up to date and the account that was trying to be collected was closed. I filed a report with XXXX 's fraud department. I also found the fraudulent address on my XXXX credit report and contacted them and they had it removed. I tried answering a call from FBCS Services and explaining to them the circumstances, and they still insisted on confirming my personal information like my address and last XXXX of my social security. I told them that I did n't feel comfortable confirming personal information since this is a case of stolen identity and they could n't help me without the information and hung up. Since they have continued to call every day bringing me great stress and worry that this will show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complete loan modification package and was foreclosed on well being reviewed Ditech claims I never submitted all paperwork yet I never received any notice and also a month after the sell of my home I received a letter saying I was reviewed for modification but was not approved due to no longer owning the home!! This is dual tracking! I also had a large payment misapplied and forced insurance to my loan when I was already paying for insurance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX Credit Card accounts were paid in full to Midland Funding and XXXX XXXX and I never received a payoff letter to report to the IRS for either account. This is a violation of federal tax laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Saw an inquiry on my account for Syncb/Paypal that I did not make. Promptly called all reporting agencies for credit freeze. Called Synchrony Bank/Paypal Credit in XX/XX/XXXX and they confirmed it was a fraudulent inquiry and that they will have the inquiry removed. 90 days passed and the inquiry is still on credit file. I called again and was told relatively quickly that it is confirmed fraudulent and they would have the inquiry removed. It is now XX/XX/XXXX and the inquiry still remains on the account. I have applied for credit recently and got denied. This invalid reporting may have played part in that. I have called XXXX and was informed the company has to report it removed or for me to have a police report made and faxed over

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch. 
After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim. 
( This Is The Refund E mail From The Merchant ) Important Order Info Inside ... 

Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund. 

As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account. 

However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP. 

1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able. 

Again, we sincerely apologize for any inconvenience this has caused by XXXX. 

The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges. 
I Do n't Know Why The Bank Will Not Reverse The Charges??

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 2016-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear CFPB, I am writing you because I am fed up with Fifth Third Bank taking advantage of my funds. Fifth Third Bank has gotten so comfortable with cashing checks through an account before applying the deposit when they come in at the same time. Fifth Third Bank is know for posting the incorrect date of the checks posted towards your account to look as if the checks posted before your deposit. Please know that I speak for my retired mother whom has been take advantage of too. My mom has been with Fifth Third Bank for 30 years and purchase her home through them as well. Due to me presently been laid off work I am just in tears about how they have been taking my money and getting rich unfairly at the sweat of the less fortunate in society. Please, please, investigate Fifth Third Bank and how they are cheating people out of there hard earned money. 
I look forward to you helping me, Despondent Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me prior to doing so. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Medical Society Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
om XX/XX/2020 there was a collection added to my credit report in the amount of {$560.00} from Bureau of Med Econmics, I am not aware of this charge or this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, In late XXXX of 2018 I was looking at the possibility of moving into an apartment in Florida and filled out an application with the apartment company that included an application with XXXX XXXX XXXX. Then I decided NOT to move and did not finalize my application with the apartment company or XXXX XXXX XXXX. I never agreed, was billed anything from, or was even contacted by XXXX XXXX XXXX, however over 1 year and 6 months later, I received a collection notice of {$71.00} on my credit report ( screenshot attached ). The collection reason was that XXXX XXXX had " tried to contact me and was unable to reach me ''. However, this is false as I never received any communication from then. 

After seeing this on my credit report I was confused so I called XXXX XXXX to see what the problem was. After speaking with them, they admitted that it was in fact a mistake and that they would remove it from my credit report. However, the company instead marked it as a " paid collection '' on my credit report even though it was a mistake and should have never been there in the first place because I never owed anything to XXXX XXXX XXXX. After seeing this, I called the company again to ask them to remove this from my credit. They then said that they would tell the collections company " ONLINE INFORMATION SERVICES '' to remove it from my credit. However, this is still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX TD Cases # XXXX # XXXX # XXXX Dear Sir : Attached you will find my documents for credit card transactions which I conducted with XXXX XXXX using stolen credit cards. The summary sheets show that XXXX XXXX gave me credit card information so that I could pay myself and the consultants for architectural work which was contracted by XXXX XXXX. TD Bank has back charged me a total of {$12000.00} for transactions on TD Account XXXX, that were done by XXXX XXXX using stolen credit cards. I had no knowledge of the stolen credit cards used by XXXX XXXX. 
The architectural project was a new house to be built at XXXX XXXX XXXX, XXXX, NJ XXXX. 
The summary of transactions shows the amount of money deposited to TD Act. XXXX and the amount of money paid to the consultants. The cards were charged using XXXX and the payments to the consultants were paid using XXXX. When the card used to pay {$4800.00} was discovered to be fraudulent all credit card payments ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Experian Information Solutions Inc.
State: NV
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 disputed inaccuracies and incompleteness about a tradeline reporting on my consumer credit report with the agency and they failed to investigate the issues but instead responded to my dispute stating the information was verified as accurate. this is stated in the letter attached to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX uses fraudulent and deceptive communication practices with its clients. They closed my account without notice, despite me leaving multiple messages and emails for a return call back. Then hand the account over to collections while locking me out of account so that I can not review billing and account history. Have sent items to an old address purposely and just refuse to provide or answer any communications I and my attorney have sent. This company is just what you said they were based on your XX/XX/2017 consent order with the CFPB relating to how it markets TransUnion Credit Monitoring. They are a total sham and garbage the way they handle their clients and do not follow the law or reputable business practices.

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 2020-01-12
Company: Experian Information Solutions Inc.
State: VA
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 saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX  XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.

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 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX  XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One Auto Finance is reporting me late to All XXXX credit Bureaus as of XXXX. I was never late at that time because I had an arrangement with them they would n't report me. I 've called them explaining this and they are saying they do n't show a late on file yet they keep verifying it at the bureaus. I am trying to close on a house and this is delaying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: HW Holding, Inc
State: TN
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 would like to dispute the errors listed below : While viewing my credit report I came across several errors on two different accounts. The first account error is Hunter Warfield, I am currently paying on the current balance of XXXX. On the account listed above both XXXX and XXXX have inaccurate /different total balances. They also both have different ( last reported ) dates as well as different ( last active ) dates. 

Secondly, the second account by the name of XXXX has both different ( last active dates ) listed under two credit bureaus. XXXX and XXXX both have different active dates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Lending Club Corp
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a lending club loan on XXXX XXXX. Lending club advertises a start to finish application process of seven days. After 8 days, no documents have been reviewed so I contacted customer service. Customer service advised me that the process will actually take up to 30 days to complete. I feel that Lending club used Unfair Deceptive and Abusive Acts or Practices in their marketing of this loan. Had I known the process would take a month and not a week I definitely would not have user their service. I would have gone to my bank instead. This has put me in a pinch and I definitely feel that this constitute a bait and switch. I ask for your help in remedying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I hold a first mtg with US bank ( loan # XXXX ). I applied for a loan modification due to the fact my payment is going up in XXXX and I lose my child support in XXXX 2017. My income is XXXX a month from my job XXXX. My payment will be XXXX. My modification was denied because i am not behind on payments and because they say I have enough income to cover the mortgage! Clearly an excess of XXXX is not enough to sustain that payment amount! I asked for an appeal to make sure they are not counting my Child support that I lose in XXXX 2017. US Bank said I can not file an appeal! So much for saying on their paper work they want to work to help you keep your home!

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