BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have about a stacks of letters about other people 's information that the company Gurstel Chargo send to me wrongly and I never received my information correctly. Gurstel Chargo has it wrong with my identity. I have send you overwarming information in the past but they choose to go ahead with erroneous information. I took a picture of the information of other clients they mistake me for just to prove they have it wrong. Gurstel Chargo are spamming other peoples sensitive and financial information. I sent picture and police report to prove that is this a mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hyundai Motor Financial {$600.00} that was paid In full and still showing in my credit as I still owe.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen that my credit score for transunion is a XXXX. Yes a XXXX!!! Please help me figure out why its showing up a XXXX. Already contacted transunion. No HELP.

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 2015-05-13
Company: Creekside Recovery And Capital Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received 2 threatening voice mails over 2 days. On day 1, the man stated that his name was XXXX XXXX and that he was assigned to my area to deliver sealed documents and that he would be coming to house tomorrow and I " better make myself available and that he will seeing me soon ''. On day 2, the message said, " ( My Name ), I 'm coming to your job right now, I will talk to your supervisor or HR, then go to your house or relatives house to find you. You will answer the door and accept the documents or it would be documented that I am refusing ''. I XXXX the phone number that was left in the messages for me to call back, XXXX, and there are COUNTLESS complaints online from numerous consumers all receiving the EXACT same threatening messages. I decided to call the number and was very upset. Number connects to a company called Creekside Recovery and Capital Management, then connected to me to a woman. I was very upset and told the woman that I received threatening calls from her company, and I could not believe the behavior exhibited by the caller. The woman rudely replied back, Ma'am, Ma'am, Ma'am, is this " My Name ''. She obviously had caller ID, and when I said, yes, she told me I was being sued, but did n't go into specific details. I told her that was ridiculous and that they were to never call me again, and told her that I already reported them to police and FTC. She then hung up on me. 

Please do what you can to stop this. I have never in my life, felt so threatened. I still have the voicemails and played them for the police, who told me to ignore the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: ARVEST BANK GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeing a debt for {$300.00} on my credit report. I have tried to dispute this and I don't have a clue what this is. Comentity bank has not been helpful getting this unrecognized debt taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Southwest Business Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were told we would be able to do an FHA Streamline refinance on our house as soon as we were paying on it for since months by our lender, XXXX XXXX at SWBC. We talked about this probably once a month until the date was close enough to start submitting the paperwork. The process started on XX/XX/XXXX. We submitted all the paper work he needed almost immediately and was told not to make the XXXX payment because of the refinance costs. My wife and I trusting our lender did not and waited for him to get back with us. The last I heard via email was on XX/XX/XXXX and was told they were sending it to underwriting. We waited another week or so and started getting worried so I reached out to XXXX. I received a text back saying he would call me in an hour or so but it wound up being the next day before I heard back. This was nearing the end of XXXX and he told us there was some issue but he would get it resolved. He finally told us after several attempts to contact him later, at this point its after XX/XX/XXXX, that they can not do the refinance. This sent me and my wife reeling trying to catch back up on two mortgage payments and were unfortunately not able to get caught back up until XX/XX/XXXX. Now because all of this my wife and I have negative history on our credit and are unable to refinance somewhere else to get away from SWBC. This whole thing feels like a ploy to keep us shackled to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: CT
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:
Equifax, XXXX and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
I called XXXX / XXXX XXXX in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife died on XXXX XXXX 2016. Soon after this various checks and debit transactions began hitting my account and they were not incurred by myself. During this period my dead wife 's XXXX card and some checks were taken without my knowledge. During this period I was under a tremendous amount of stress and did not catch them at first. When my eldest son ( he has POA over me ) brought them to my attention I contacted the bank IMMEDIATELY! Then my bank ( formerly Metro Bank ) First National Bank of PA I received somewhat of a run around about POA papers for my son and that by the time they looked at my account ( seemed to be a lot of foot dragging ) that more than 60 days had passed and that they were no longer responsible for the bad charges and while police were notified about the thefts from my account the bank stuck to their 60 day claim and I have yet to see picture XXXX of any of the transactions that were committed including ( XXXX ) XXXX checks in approximately 2 weeks. I was returned {$1100.00} but I feel this is totally inadequate and I want the guilty people prosecuted

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 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received a check in the mail from Bank of America in the amount of {$6900.00}. I bank at Bank of America. Endorsed and deposited check in ATM on XX/XX/2020. Received a notice that the check was being held. Thought it was strange to receive notice. Went to the BofA branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and my son advised the manager that the check might be fraudulent. He gave my son attitude and flippantly said nothing could be done because it was deposited in an ATM. 
I was telephonically advised the check was counterfeit on XX/XX/2020 by XXXX, BofA Fraud Dept. She said there was nothing she could do to return my money because check was counterfeit. 
Talked with her Supervisor, XXXX, on same date and he too advised that there was nothing the bank could do because the check was counterfeit and said I had lost {$6900.00} when I deposited it in the ATM. He said the bank could not help get the money back. When I asked why the bank did not notify me of the fraud, and that if I had not called on that day I would not have known about it, he could not give me an answer. 
I have been banking with BofA for many years and expect to be helped with this issue. 
XXXX transferred my call to XXXX, also Fraud Claims and she advised the same thing, i.e., nothing could be done by the bank. 
It was a BofA check and looked legitimate.I have copies of the check.

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 2015-10-06
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-10
Company: Concord Resolution Inc (Closed)
State: MT
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 have been receiving multiple calls from several numbers claiming to be from Concord Resolutions. They say they will not give me any information until I verify my SSN with them. I asked for the debt information and their address. They told me New York State and then when I asked again that they were in XXXX but refused to give any further information. When I requested that I get validation of the debt prior to speaking with them further he hung up on me. Calls from XXXX. I know what debts I owe and this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was double charged XXXX by TransUnion for a subscription I did not want. I just wanted to check my credit score with them and that's it. Please let them know how displeased I am about this.

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 2020-03-05
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: R.M. Galicia, Inc.
State: AE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I was XXXX to XXXX and was out of the country again from XX/XX/XXXX to XX/XX/XXXX. Upon my return and several months later, I was denied a mortgage application because a company called Progressive Management Systems had reported a $ XXXX debt on my credit report ; something I had no connection with and had no idea about. 
I made several attempts to reach out to the company via letter correspondence due to my current location but haven't received any positive response from them. I made it abundantly clear that I wasn't even in the country at the said time of this so-called debt and have proof of my military orders as well as flight itineraries. I asked for due process by providing me with some proof of debt validation but have not received anything to that effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello : I am in the XXXX program for my student loans via XXXX. I have worked for the same employer ( a local government ) for 8+ years now while in this program. This year XXXX has been unable to accurately service my loans. It's been three months and they keep failing to properly process my Employment Certification Form and send me erroneous, misleading, information. The first letter they sent XX/XX/22 showed the same number of qualifying payments as the previous year, alarmingly pushing back my estimated forgiveness date, despite them being in receipt of a completed form at that time. They obviously didn't process the form and decided to send out wrong information and create confusion. I called their customer support and waited an absurd amount of time to only be told by an agent that they could clearly see it was a mistake, but all they could do is make a note in my file to process the form correctly. Ok, I give benefit of the doubt, wait.. Now, they send correspondence on XX/XX/22 that says my XXXX form is incomplete and can't be processed! This is patently false, as I can retrieve the file I uploaded to their website still in the outbox and see that the items they are claiming aren't filed out are indeed completed! They said I need to contact them AGAIN! As I write this I am on hold for an hour already still trying to get a simple form processed correctly. This is insanity! I feel completely abandoned by XXXX and they are clearly unable to do this work anymore. This XXXX program feels predatory now like my own servicer is sabotaging me when I've done everything right and am almost at 10 years. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had to keep applying for a forbearance because the amount of interest and loan that I owed is just impossible to pay back. Each time I paid, navient would apply more towards the interest owed then the principle amount owed and it keeps adding more to my total! It is impossible to keep up and pay down my loans from navient because they are just applying where ever they want to and not letting me pay down my loans! I feel I have been paying the same amount off for 5 years! They are stealing my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXXl account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX  account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me

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 2021-08-25
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage owes me {$3200.00}. 
PHH Mortgage Services purchased my mortgage from XXXX XXXX on XX/XX/2021. One half of the annual XXXX County RE taxes was due to be paid on XX/XX/2021 in the amount of {$3400.00}. PHH Mortgage Services failed to make the payment. The full amount of RE tax, {$6900.00}, was therefore due on XX/XX/XXXX. PHH mortgage failed to make that payment. As a result, XXXX County issued me a notice that I was in default for failure to pay the RE tax. After repeated attempts to talk to customer service as PHH Mortgage I made the full payment of RE tax {$7100.00} to the County that included a late payment penalty and interest of {$190.00}. PHH Mortgage issued me a check {$3800.00} in XXXX stating their was an excess of escrow in my account. I finally reached PHH Mortgage who have contended there wasn't enough money in escrow to make full restitution of the real estate tax. Therefore I was not due the balance of the RE tax of {$3200.00}. I believe either PHH Mortgage made an accounting error or PHH Mortgage did not obtain the full amount of escrowed from XXXX XXXX. Regardless, the error was made by PHH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation