BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed an item on my Equifax credit report 3 times with documentation and it appears that Equifax is not investigating my credit report because they continue to negatively report inaccurate information. The item in question is a Released Tax Lien that was filed in error, and it should be taken off of my credit report. I have attached documentation received from the California XXXX XXXX XXXX to the dispute clearly stating that the lien was filed in error and Equifax continues to ignore the letter. I have went to the XXXX XXXX XXXX XXXX and provided Equifax with the index and page number of the Public Record XXXX page XXXX and it appears that Equifax is ignoring the supportive information that I am providing. I addition, I have queried the tax liens and my lien is listed on XXXX lines with the first XXXX stating that the lien was released and the XXXX line stating that the lien was filed in error. In addition, the recorders office indicated that they are willing to verify my information to Equifax if they call the XXXX XXXX XXXX XXXX at XXXX. While I have spoken with an individual at Equifax she appeared scripted and refused to let me speak with a Supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: ERC
State: CA
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:
Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??

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 2016-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submited a complaint yesterday XX/XX/2016 and you are having problems finding cco morgage they a part of citizens bank and my complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I made a wire transfer from a US Bank of America account to a XXXX account for my son and daughter in law. The amount of the US dollar transfer was {$18000.00} ( which is a lot of money to them ). The amount that was credited to their account was {$16000.00}. 
I went to my local branch at BofA and spoke to the manager regarding the transfer. I was told that I made the transfer in XXXX ... the exchange rate was COMPLETELY unfair {$1.00} = XXXX I was unaware that this exchange rate was well below the typical rate in XXXX {$1.00} = XXXX ... XXXX ( I found this out afterwards ) This transaction of exchange cost over {$1300.00} and the overall charges exceeded 7 % of the total sent. 
This seems to be sooooooo unfair and in all honesty taking advantage of a naive consumer. It really gives banks a bad name. Where did that money go? 
I am hoping that you can help rectify this situation as my hands are tied. 
Please review my case and advise if their is any hope that we can receive some money back? 
I will be happy to give any additional information needed. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-20
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I received a letter from Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX which said that our home equity loan was being changed from interest only to interest and principal. Nowhere in the letter did it say what the amount of our new payment would be. For about 60 months we have been paying interest and some toward principal. The new payment was to begin on XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX I called SLS and the person that I talked to had no idea what I was talking about. So, on XX/XX/XXXX I called again and again the person I talked to said he was n't aware of what I was talking about so I asked him what my minimum payment would be for XX/XX/XXXX and he said {$64.00} and change which is just the interest on the loan. Both XX/XX/XXXX and XX/XX/XXXX we sent in payments, on time in the amount of interest plus some toward principal. We made our XX/XX/XXXX payment on XX/XX/XXXX and on XX/XX/XXXX we received a default notice and notice of intent to foreclose on the property. The letter said that we needed to pay {$1300.00} by XX/XX/XXXX to bring the account up to date or they would start foreclosure proceedings. Again, there was no mention of what our new monthly payment should be. SLS is holding the funds until the total equals a full payment which I found out is {$450.00} per month. If XXXX would have told me what my new payment was in XX/XX/XXXX or XX/XX/XXXX I would have paid it. We are in the process of trying to refinance our home and SLS is considering those payment sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late payments. which will disqualify us from obtaining a refi. I think the way they do business is suspect and they deceive their customers and lie to them such as in this case because I think that is just what they did because any reputable company would have that info in their computers so their reps could convey that info the the customer on request. I mean, if a letter comes out in early XX/XX/XXXX and it is not in their computer in XX/XX/XXXX there is something seriously wrong. What I want is for those three months to be not listed as late so we can proceed with our refi and get rid of this lousy company.

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 2016-12-29
Company: Alpha Recovery Corp
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Alpha Recovery XXXX continues to harass me and my family with phone calls, disregarding written directives from me to immediately cease and desist. It was confirmed that the person whom they seek is someone else. I emailed them in XXXX 2016 and again, in XXXX, after continued harassment. The calls from Alpha are stressing out my elderly mother, exacerbating her ailments.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: FL
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 account status is wrong and this account is NOT IN REPOSSESSION. This account was settled in full for a CASH payment of {$5000.00} ( not collateral ) in XXXX of XXXX Also, the creditor is in breach of contract for mis-applying payments and is deliberately ill-reporting the account out of spite for being caught in their dishonest business practices. Either this account shows as a PAID loan ( as it honestly is ) or this will be going in to litigation.

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 2015-09-24
Company: Patenaude & Felix A Professional Corporation
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a voicemail from Patenaude & Felix XX/XX/XXXX regarding a delinquent XXXX credit card. I called back and the rep who answered the phone advised me of a payment plan of {$66.00} beginning later that month. I advised him that I was interested in the plan but that I needed to call back on the exact date I wanted to make a payment. He said that was fine and the call ended. I am still trying to get myself financially back on track and by XX/XX/XXXX I still was not able to make the payment. During the one call I had with the attorney 's office, I never advised of any bank account I wanted to use and never set up a payment. My surprise when I checked my bank account yesterday and noticed a {$66.00} check had been submitted to my XXXX XXXX XXXX account. That checking account was already overdrawn so that {$66.00} payment was returned and I was charged a {$35.00} nsf fee. I do n't believe it 's right that this 'attorney ' office and/or XXXX can just automatically take money from my account WITHOUT my authorization. I never set up a payment with Patenaude. I never even went on XXXX 's website and set up a payment. I was never given any plan details in the mail nor any sort of confirmation number since I never set up a payment. I find it interesting that the payment they tried to draft was the exact {$66.00}. I feel that the rep from the attorney 's office took it upon himself to contact XXXX and they took whatever checking account they had on file and tried to charge my account. I want to make good on my account but this is ridiculous. With the issues XXXX has had in the past this certainly does n't make them look any better in my eyes and this attorney should know what they have done is unlawful. Also, when I spoke with the rep I asked if I would get payment plan details in the mail first before I wanted that before setting up some payment. He said I would get it in the mail but it never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on XXXX cases, XXXX XXXX XXXX and XXXX for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL XXXX, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: ERC
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 have been called repeatedly for at least 6 months by a caller ID identifying itself as XXXX, NJ and a phone number. I never picked up as know no one in XXXX. Today they called and left a message : '' Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. Thank you. '' I think this is a scam as I have no bad debt. I just got my XXXX free credit reports that I am allowed per year and none say anything about any collections due. 

I am worried that they may damage my credit so I want you to get them to realize they are wrong and to leave me alone. 

Thank you for any help. 

I will also put a free fraud alert with one of the credit reporting companies so that they will share that to the other XXXX. 

Cheers, XXXX XXXX PS I am also on the Federal Do Not Call List so they are in violation for that too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-24
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX i was pre approved for XXXX. I provided all documents they required.In XXXX they asked for more documents. We were to close on XX/XX/XXXX and I was informed that it was pushed back again.So I decided too look for a new lender and was then informed then informed i did not qualify after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
Bank of America has re aged a charged off account. This illegal tactic was found on both my XXXX Credit Report pulled on XX/XX/XXXX and my Transunion Credit Report on XX/XX/XXXX. Bank of America charged off the account in XX/XX/XXXX The status report on XXXX credit report has account charged off, but with a balance past due as of XX/XX/XXXX. This is re aging, a direct violation of the Fair Debt and Credit Reporting Act. Also, I have proof in the certified letters sent to them XXXX that they could not verify the debt. They must change the status immediately and stop re aging the debt. Proof is attached.

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 2016-12-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the law firm I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

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 2015-07-20
Company: ERC
State: OH
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:
XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month.

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 2015-12-14
Company: ERC
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:
The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens.

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 2016-03-17
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Numerous time since XXXX XXXX Seterus has put my mortage account into a false active bankruptcy status. XXXX XXXX Seterus submitted a false report to the credit agencies that my account is in active bankruptcy and in default. Since XXXX XXXX numerous times contacting Seterus and currently XXXX XXXX. Seterus has stated in writing that all issues have been resolved and corrected. Seterus has stated numerous times since XXXX XXXX that my credit report has been corrected and reflects current activity. All XXXX credit agencies, XXXX, XXXX, and XXXX have not been updated since XXXX XXXX. XXXX still reports that my mortage is in active bankruptcy and derogatory. Seterus states everything is current which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I was recently contacted by CitizensOne Student Loans, which is a division of Citizens Bank about refinancing my student loans. I was approved for the refinancing but the interest rate that I was given is rather high, and is higher than what I 'm currently paying PLUS my XXXX score is higher. I called to speak with someone so that I could be explained why I was offered such a high rate. The customer service rep could not explain it, said that its just computer generated, and the underwriting team does not talk to customers. I asked if I could be provided an explanation in writing, or even what credit score was used to offer the rate and he would not tell me. This seems quite unfair and now I have a hit on my credit, and I feel as though I have been subject to a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a small business checking account with Citizens Bank two months ago, and deposited XXXX checks into this account exactly four business days ago, on Friday, XXXX XXXX, using their mobile deposit feature. When I completed the deposit, the confirmation said that I should expect to have access to these funds within XXXX4 business days. Today ( Tuesday, XXXX XXXX, 3 business days later ), I checked the account only to find that my XXXX deposits are now expected to clear on XXXX XXXX, a full 9 business days from the date I deposited them. As a small business, this is a ridiculously long time to wait for a relatively small amount of money to clear, so I called Citizens Bank customer service to see if they could do something to speed it up. The answer I got was that they were unable to contact the XXXX banks who issued the checks I deposited ( XXXX XXXX XXXX and XXXX Bank ) in order to clear the checks, and that the only way they could speed up the process was if I called these banks personally, obtained the direct phone numbers of the people who are responsible for clearing checks, and then called Citizens back to give them these phone numbers so they can call too and clear the checks. Unfortunately, I do not have the time to do this, and since I am a new customer for Citizens Bank and this is my first deposit, I can probably assume that this will be my experience with them in the future as well. At this point, thanks to Citizens Bank I can not use my funds for the next two weeks, which is causing significant difficulty in my business operations. 

I do n't know whether it is legal for them to hold my funds for such long periods of time ( 9 business days or more ), but this is not a practical solution for my business, so I will be closing my business account with Citizens as soon as I can, and finding another institution.

Company response to consumer: Closed with explanation