BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We got a little behind on our mortgage while under a Chapt XXXX bankruptcy, we missed some payments leading up the Mortgage Company contacting our attorney to file a default. The attorney contacted them and they stated on or around XXXX XXXX that we would have to make a {$6500.00} cashiers check payment to them in order to bring our account current. We scrounged around and sold some things to get the money and mailed it to Loancare overnight on XXXX/XXXX/XXXX. Ever since that date, I have made all my monthly mortgage payments to them. After the chapt. XXXX was discharged on XXXX XXXX, they all of a sudden are stating that we missed XXXX XXXX payment. I clearly show it being paid on the attached word document in XXXX XXXX. I have called them and they said to give them a years worth of proof that I have made all my payments from the XXXX XXXX til XXXX. Again that is attached to what I sent them ( 2 TIMES ) with no response. They are currently reporting fraudulent statements on my credit report that according to my records is false. They are also sending threatening letters stating that we are 2 months behind everytime I do n't make my payment on the XXXX. I have a 15 day grace period on my original loan documents and if I pay it on XX/XX/XXXX, should NOT be assessed any late fees. I am paid on the XXXX of every month and that is the check I use to make my mortgage payments. I have a QWR under RESPA guidelines all typed up that I can mail them in case they do n't respond. Just email me and I will send CFPB and LOANCARE certified copies Priority Overnight. Hopefully you can assist in this and bring a closure to this on going battle I am having. Threatening phone calls and letters can provide a very stressful environment to myself and my family.

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 2015-10-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX to Carrington Mortgage. Upon notification I stopped the auto- draft from my checking that paid XXXX , so that I could pay Carrington XXXX Payment was made on the XXXX of XXXX by me. The auto- draft followed my mortgage to Carrington anyway and another payment was drafted in the XXXX of XXXX. When I realized this occurred I contacted Carrington who gave me a list of fax numbers to send my checking account summary to demonstrating the double draft. I did so. On the following Monday, three days after my first call, I called back and was told that all had been received and that my check for reimbursement would be here on Wednesday of the same week. Wednesday came and went. I gave it Thursday and nothing showed up by XXXX so I called Friday. I spoke with several different people- again they say they see where I was told that but do not know why I have n't received it. I was transferred to a supervisor whose name was XXXX, who promised to make my case his mission and call me back. He did not. All calls to him have gone to voicemail, and I have spent most of today listening to a system down recording. Finally I get through and after XXXX minutes in their VRU I am told to call back during normal business hours, which are XXXX to XXXX est M-Sat. It was XXXX on Monday afternoon. I have other accounts that have not been paid because of their inability or unwillingness to return my money to me. I am starting to wonder if they have just closed up shop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX has had me submit the same documentation for 6 years and then transferred my file to Carrington Mortgage Services and now trying to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This is my second complaint about the same investigation that equfiax has claimed it verified with a debt collection company that i had filed a complaint on with CFPB Complaint number XXXX which Equifax claims is correct and was verified. However, XXXX was unable to verify the information that Equifax claimed that trident verified. They did n't even show proof of verification other than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax credit report, my original complaint XXXX which Equifax lied about that they verified, and my complaint against trident in which they admit that this was incorrect and have requested deletion off my reports with cfpb complaint number XXXX. I demand they remove this item off my credit report and review their so called " Verification Procedures '' which obviously are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Read the fine print. CD came due and I missed the due date. Starting calling service number but put on hold for extended period of time. Finally went to bank in person after being unable to contact bank by phone. CD automatically renews for 18 months if you do not contact them which is fine but the interest rate is .25 percent and a penalty withdrawal of XXXX plus XXXX % of the amount. Which in my case would be approx. {$4500.00}. I would think to be fair the interest rate should be at least equal to previous rate and not such a low rate dertermined by the bank. I ask for either waving withdrawal penalty or matching the origional rate. Bank manager said they would check and call me. Never got a call. Contacted band and was told it had been longer than 30 days and their legal department determined that is was locked in at the low rate. Ca n't believe CFPB would ever let a bank write a contract like this. So one sided, puts the consumer at a complete disatvantage. The CD is with BBVA Compass bank in XXXX Az.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Checking my credit report XXXX Carrington Mortgage Company has place that I have filed bankruptcy. I have explained to these Credit Bureaus that I have not filed bankruptcy however they continue to come back after I dispute it saying that Carrington Mortgage will not remove it. I have called them and they are not fixing. 
My second issue is, XX/XX/XXXX 2015 I asked what the balance of my escrow account. The rep told me the balance for this year was {$1100.00}. I gave her my credit card number and asked her to pay my escrow in full, which should decrease my monthly payment to {$770.00} which is the interest and principle. The next month my statement showed a credit that was applied to my payments instead of the escrow account. I called and spoke to a rep and explained the situation over again. They said they would investigate it. I did not pay them for XX/XX/XXXX 2015 the month that they showed the payment for because I was pending the result from the investigation. In XX/XX/XXXX 2015, two months later, they finally reversed the payment and put the {$1100.00} towards my escrow. When they did that I they began to show my account late and charge me late fees and my payment remained the same, actually going up to {$890.00} from {$870.00} when my account was at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.

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 2016-11-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My issue is that I am having trouble getting to the bottom of a credit alert that appeared in my XXXX account. As a XXXX impacted by the XXXX breach, I registered for this monitoring service. I received an alert, reported by Equifax, that a new XXXX XXXX account was " reported ... on your Equifax Credit Report. '' XXXX provided a phone number to call if I suspected fraud so they could follow up on the alert, but the only automated options available on that phone number were for opening new accounts with them, necessitating a PIN provided by OPM. But, I of course had already done that. There was no way to reach a person to talk to about the reported information and my concern. 
I then called XXXX XXXX to see what I can find out there. I did get to an individual in their credit bureau, but she could not find any account with my name or ss # -- other that an XXXX XXXX card I already have -- and suggested that I call Equifax to get the account information from them. At least I was able to talk to someone there. 
I then called Equifax, and again entered the automated system without any ability to talk to an individual in order to explain my situation. I was, however, able to establish a fraud alert for 90 days, through their automated system, and they indicated they would share the information with XXXX and XXXX. 
But, my concern now is that someone may have indeed opened an account with my ss # and, possibly, other identifying information, and could be creating problems for me. But, without more details on what led to this alert, XXXX XXXX seems unable to follow up from their end. 
Frustrated with not getting any satisfaction with XXXX or Equifax, I tried calling XXXX at various numbers. I was unable to reach anyone, even at the Director 's office ( can you believe nobody answers the phone at the Director 's office? ). Their office responsible for XXXX had no way to contact them either, only providing the XXXX phone number that I had already tried. 
Thanks you in advance for any assistance you can provide in this matter. I have attached the screen shot of the alert from XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Bureau of Bessemer continues to attempt to collect a debt that has been paid in full. My debt was paid on XXXX XXXX XX/XX/2015. I owed {$58.00} for a dental visit charge that exceeded insurance payment. Credit Bureau of Bessemer was paid {$58.00} plus a {$5.00} phone/debit card processing fee for a total of {$63.00}. It has been greater than 90 days and Credit Bureau of Bessemer is still reporting the collection on my credit file and is still attempting to collect the debt. This is illegal and immoral. Credit Bureau of Bessemer Should be fined and audited.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Focus Holding Company
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:
We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This collection agency has called numerous times after I have repeatedly told them to stop. That I am NOT going to pay the amount they say I owe. At this point they ANNOYING AND HARASSING ME. 
I asked for their address in order to send a written cease of communication notice and did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: DISCOVER BANK
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had an online savings account with Discover Bank and logged on XXXX time in XXXX, 2015 and could not access my accounts. No one could tell me what was going on with my account. I finally had to try to call the CEOS office and got someone to tell me my account was frozen. To this day I do not know what the reason was for my account being frozen and never received any letter explaining what went on with my account. When Discover Bank froze my account, they prevented my bill payments from getting paid. Thus resulted in all kind of fees and even my credit cards being cancelled because so many payment had been bounced by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Rent Recovery Solutions
State: GA
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:
This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car that was charged off in XX/XX/2014 and Loan Mart is continuing to report 120 day lates to current dates. This is illegal and hurting my credit. After the charge off they cant report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: DISCOVER BANK
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied to Discover personal loans for an installment loan in order to consolidate multiple balances into one place. By any objective criteria, I would have been approved for the loan - DTI, credit score, etc. I provided all of my personal information to Discover ( which they had on file, since I have had a credit card with them for 2.5-3 years ). When I called back to Discover, they told me they denied me because I had no credit history. 

Due to their incorrect information, I was not able to get an appropriate loan. I have lost a significant amount of money paying interest charges, and if I apply now, I may not receive an interest rate that will assist me in making payments. I am unsure why Discover thought I had no credit history, but I have a long and strong credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my personal cell phone at least 2 times per day and now they have started calling me at work which is unacceptable! I work for a large retail store and it is unacceptable for them to be harassing me while I 'm at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: DISCOVER BANK
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We received an offer from Discover for a bonus for new checking account for current Discover card holder that promised {$300.00} for new customers who opened an account and makes XXXX direct deposit of {$250.00}. I applied for an account XX/XX/XXXX with offer on discover website with the promo code given, and the promo code shown up as accepted on the application web site. Fast forward 2 months, I contacted Discovered after XXXX-XXXX direct deposits have been made and the bonus amount had not shown up. The customer representative who I spoke up said my account qualifies for the offer, and the system is still catching up on offer processing, and I will receive in the bonus in weeks. Fast forward another 2-3 month to today, I called and was told that I was not eligible for the offer, even though I have told my offer code was accepted at application and told I was eligible once again on the phone. This does not feel like an acceptable way of doing business, I was marketed and promised something that was not delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: DISCOVER BANK
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Have online account with Discover Bank. Logged in XXXX/XXXX/15 @ XXXX XXXX to transfer {$20000.00} to my liked account at XXXX XXXX XXXX. Today is XXXX/XXXX/15 at XXXX XXXX and funds are still not at XXXX. Contacted discover and spoke with supervisors who only could tell me funds were sent on XXXX/XXXX/15 at XXXX. He assumes all times are EST. Have called the Federal Reserve in XXXX ( XXXX ) and they can not help. Called XXXX and spoke with XXXX XXXX who stated should not take more than 2 days, but could not offer any help. Called Fed Reserve ACH center in XXXX and was advised they did not communicate with individuals-only banks. Have emailed complaint to discover with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to DISCOVER FIN SVCS LLC letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and DISCOVER FIN SVCS LLC refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. DISCOVER FIN SVCS LLC provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
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:
I reported to Equifax an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that Equifax to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get Equifax to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since Equifax has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I contacted Discover credit card regarding my monthly payments. I attempted several time to speak to someone who can assist me in lowering my payments.I first spoke to XXXX who stated that Discover Card can only lower the interest rate to 12 % for a year while my payments would still be {$110.00} month. I explained to her that I was going through hardship and that {$110.00} would not be feasible at this time. She stated, when I opened the account I agreed to make my payments. I stated, that is correct however I am not making the same income as I did when I first opened the account. XXXX stated, that 's the only assistance that Discover can do for me. Later, that evening I contacted Discover card again having to wait 25 minutes before a customer service manager pick up the phone. I spoke to XXXX and explained my situation to her. XXXX told me that my monthly payments would be {$130.00} month with a lower interest rate at 12 % with my card being suspended. I asked to speak to her supervisor but after waiting 10-15 more minutes the phone hung up on me. 
I have been a card holder with Discover since 2006. I am very disappointed in the treatment I have received. I really need some sort of assistance.

Company response to consumer: Closed with non-monetary relief