BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: The CBE Group, Inc.
State: UT
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:
CBE Group is reporting collection accounts that need to be removed. This debt is invalid as during this time I was covered with XXXX and XXXX. I had gone in for some blood work and the hospital tried billing me 3 different times for one exam that was supposed to be sent over to insurance. I had called them and they had admitted to this mistake but they billed me anyway! This is not my fault, this is an error from the hospital that needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Called bank to get acct info.employeeXXXX XXXX read off routing number very fast she was about to hang up I said wait ca n't I read the numbers back? I read the numbers back. She said that 's not what I told you. She read the numbers off again. Then hung up. I called back. Asked if I could have my acct #. She said no I would have to come in. I told her I just got out of the hospital could n't I be asked my personal info that no one knows but me? she told me no and hung up again. I get out of my sickbed, go to the bank and asked to speak to a supervisor. She said I am the supervisor. I explained that she was very rude on the phone to me. She started smirking at me like this was a joke. I asked her do you think this funny? why are you smiling this is not funny. There was another teller there she saw the whole thing. This is not professional and I will not be treated in this manner. As soon as I am well I will be closing my acct. And family members that bank there are going to do the same to support 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 2021-08-06
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company gives me a different tune every time I call to pay my bill. I haven't paid because I do not trust giving my information and having them take money when they want. This is old debt anyway. I don't have money right now because of this worldwide crisis that is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 my mortgage with Freedom mortgage was paid in full and I received a payoff letter from Freedom Mortgage confirming this on XXXX XXXX, 2016. On XXXX XXXX, 2016 Freedom Mortgage withdrew a principal and interest payment of {$2000.00} from my bank account resulting in an overpayment. Despite XXXX or more calls to Freedom Mortgage to recoup these funds, I have not received them.

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 2015-07-22
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns calls repeatedly, even after I spoken with a rep and asked them to stop the constant phone calls, I was told I would still receive the phone calls until the bill is paid in full. And they call from a bunch of different numbers constantly back to back and have called my job as well. Pure communication harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Grimm collections repeatedly called me after chapter XXXX was filed ... even as they were accepting payment from the court. Bankruptcy is complete and they are still calling me attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I submitted my initial complaint XXXX in which I stated tha I am unable to access my account to set up automated payments or review any information. Since then I have made multiple attempts to resolve the issue contacting customer service and escalating the issue to SLS escalation department. I have contacted the primary escalation supervisor, XXXX XXXX XXXX, multiple times and left voicemails. He has failed to respond or return any of my calls. 

I have been told that my account fully transferred from XXXXXXXX XXXX to SLS on XX/XX/2021. My final payment to XXXX of {$3000.00} was transferred to SLS shortly after. It has not been applied to my loan. On XX/XX/XXXX, made an electronic payment from my personal XXXX account to SLS. It was received by SLS on XX/XX/XXXX. SLS refused the payment ( see attached ). On XX/XX/XXXX, I made a payment to SLS via the phone of {$2200.00}. This combined with the {$3000.00} should have been applied to my XXXX payment. Neither of these payments appears to have been applied to my loan as my latest notice from SLS shows an outstanding payment balance of {$10000.00} I have no faith in SLS managing my payments via the phone or accessing my personal checking account. I would like to be able to make the payments via my chase account and have documentation that they are paid.

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 2016-11-17
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Planet home lending took over my loan from XXXX bank earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX. This was in XX/XX/2016 and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX since last XXXX but all of sudden, my XXXX monthly payment jumped to $ XXXX. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until this XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.

Company response to consumer: Closed
Consumer complaint received 2016-08-07
Company: URS Holding, LLC
State: AL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My loans are in consolidation and ERS continues to harass me and apply charges to the loan that I should not have to pay since the loan has been in the consolidation process. I gave limited power of attorney to the consolidation company and ERS should be dealing with them not harassing me. They are trying to insist I deal with them directly repaying the loan. I wonder if they have refused to work with the consolidation company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I manage an XXXX called XXXX at XXXX XXXX. On XXXX/XXXX/2013 the bank, Mortgage Investors Corporation filed an order to foreclose on a property located at XXXX XXXX XXXX in XXXX, NC. They assigned a trustee, XXXX XXXX XXXX, XXXX to handle the foreclosure. Since then the bank has not moved forward with the foreclosure. The homeowners are not paying the XXXX dues and this is causing the XXXX to lose money that is to be used to pay for the maintaining of the units in the community, as well as the property not being taken care of by a homeowner that lives there. This puts the XXXX in a bad financial position and other owners are concerned with their unit values as they are living in a community with a home that is vacant that no one has done anything with in over 2 years.

Company response to consumer: Closed
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by equifaxIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: United PanAm Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with UNITED AUTO. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on UNITED AUTO. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate and MUST be deleted from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XXXX a direct deposit was made to my PayPal account in the amount of {$8400.00} I usually transfer my funds directly from my PayPal account to my bank account but on this day PayPal permanently locked my account without any warning or any type of explanation to why this action was taken I have made several attempts to contact PayPal headquarters and no attempt was ever success I spoke with one of PayPals many account representatives which offered no help or any explanation to why my account was locked and my funds are stuck in this account they told me I would have to wait 180 calendar days to receive any information about my funds I later went online and found a few reviews for this similar situation and a lot of other PayPal users have had the same incident happen to them and they never received there funds from the account in those 180 days the representative that I spoke with claimed she was a manager and was very much unprofessional and as I explained my situation of me becoming homeless if I didnt pay my rent she laughed over the phone at me and stated that it was nothing she could do to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My issue is about the XXXX point reduction in my credit score in less than 60 days with no logical or tangible explanation about how my score can drop by XXXX points when there have been no significant changes to my record. There is no suitable option in the CFPB drop down listing of options for making this type of complaint and the matter of credit score which is so central to the access to jobs, insurance, housing, etc. by a consumer 's is not very transparent. On XXXX XXXX, 2015, my credit score with Equifax was XXXX and as of today, it is XXXX and XXXX points lower. There have been no new accounts added to my portfolio of accounts and in fact, I have paid off a couple of accounts ; XXXX delinquencies have dropped off and any other delinquency ( except for a new one with XXXX XXXX which is being disputed ) was only account in XXXX. Equifax needs to explain specifically what has changed in 60 days to result in a XXXX point drop and I have had no additional inquiries. What I have observed over the years, is that during the period when I am paying {$19.00} to any of the credit reporting agencies, my score goes up and soon after I discontinue the monitoring service, there is a reduction in my score. This almost gives the perception that consumers are somewhat arbitrarily being penalized when they discontinue the service especially since I have never been able to get an explanation about the reduction in my score. The credit scoring process is like a blackhole and the high level explanation about the percentage composition of deriving the score is simply not good enough. In my case, given the very short duration, Equifax should be able to provide me with the specific changes that amounted to a XXXX point reduction in my score since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I previously submitted a complaint regarding GA XXXX XXXX XXXX which were re-inserted on my Equifax credit file. This is credit discrimination! These files were previously deleted from my file in XXXX and have been paid and released. All XXXX GA XXXX XXXX Liens must be removed from my file. They should not have been reinserted in my credit file. This is illegal to reinsert information which was previously deleted from my file and is a form of Retaliation because I filed my complaint against Equifax regarding other matters in XXXX and XXXX. This is a retaliatory act. The XXXX XXXX XXXX XXXX has the XXXX liens as paid in full. Take it off my credit report. Equifax has a extreme habit of attempting to XXXX minorities XXXX and this is XXXX prime example. The XXXX GA XXXX XXXX records must be removed because they have been paid and should have never been reinserted on my credit file. Also, the statue of limitations states that Public Records can be removed after 7 years, and they were removed in XXXX, after being on my credit report since XXXX. They should have never been reinserted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is XXXX of XXXX accounts that reports perfect payment history on my equifax report but yet reflects as a charged off account in the comments remarks section on my report. How can a account be charged off but yet has a perfect payment history. This is inacurate false and misleading and has cause my overall credit file not reflect my true character.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX This is in reference to this case #. I guess the case is resolved as I did not receive a completed answer from cpfb or Equifax. 
Equifax and the Division of Child Support needs to show me what law allows DCS to report to my credit when SSI is my only income! XXXX/XXXX/XXXX DCS just reported again and during this dispute. Reporting to my credit is a legal process. I am on SSI. There is nothing I can do about paying this fraud child support to a millionaire. YOu do n't believe me? Look at XXXX XXXX XXXX XXXX XXXX, Wa on XXXX. 
Will be filing injunction in my State and will be suing DCS and Equifax may now be a part of it. 
additional laws! 
42 USC 407 ( a ), which prohibits a person from transferring or assigning his or her future public benefits and exempts the benefits from " garnishment [ ] or other legal process, '' applies to SSI benefits ( see 42 USC 1383 [ d ] [ 1 ] ; XXXX [ XXXX ] ). The federal regulations governing the SSI program similarly prohibit both a person from transferring or assigning his or her benefits and a party from garnishing or taking the benefit by other legal process ( see XXXX CFR XXXX, XXXX [ a ] ; XXXX CFR XXXX ). The XXXX XXXX has provided three characteristics of " an impermissible 'legal process ' : ( 1 ) the process is 'judicial or quasi-judicial ' ; ( 2 ) the process transfers 'control o [ ver ] property... from one person to another ; and ( 3 ) the process is applied 'in order to discharge or secure discharge of an allegedly existing or anticipated liability ' '' ( XXXX [ XXXX ] the act of reporting to my credit is impermissible! You tell me what one is supposed to do on ssi with no means of paying this fraud? Allow the reporting for the rest of ones life? 
They are reporting to my credit against SSI income, that is all I have!!! It is a legal process! 
Then I was never afforded due process from the beginning, letting me know by law that dcs was going to report to my credit. 
Equifax may find them a part of the upcoming injunction in my State court. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 I visited XXXX XXXX and was subsequently billed for my visit. After subtraction of insurance paid portion, I was then put on a payment plan with the hospital, which I am currently paying for as of this date as well. In XX/XX/2020, the hospital was hacked in a breach and patient information was taken. A couple weeks after being notified of the breach by the hospital, I received a fraudulent bill in the mail. It contained similar services but inaccurate charge amounts for each service. I alerted XXXX and they confirmed that the only money I owed to them was from the online payment account i have with them and was told to ignore the fake bill sent to me by a third party. In XX/XX/2020, my credit report showed that these chargers were sent to collections. The inclusion of this item on my report is against the law. I have sent many letters requesting verification of the charges. My request go ignored and they continue to report this fraudulent debt to the credit bureaus!! After submitting a dispute with XXXX  they determined that it was fraud and took it off my report but the collection agency continues to report this fraudulent debt to the XXXX  and XXXX. These two agencies refuse to look into the matter and tell me to contact the collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation