BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After purchasing my home, for over two years I was with my original mortgage company, and was not late one time in payments due to being able to use automated payments with online banking. In the XX/XX/2016, I received notice my mortgage was purchased by LoanCare LLC. When the time was right, I changed the payment address through online banking and paid XXXX payment. Seeing that this went through just fine, I had not seen there was an issue, and when XXXX payment came due, it was paid via online banking automatically. This payment was made XXXX/XXXX/16. It was n't until the first week of XXXX, well past the due date, that I became aware the XXXX payment was not accepted. Rather than notifying me of this, they returned the payment to my bank account XXXX/XXXX/16, and stated I was late for XXXX. I was given no reason, and had to reach out to them to find out. In order to be sure the payment was made, I used LoanCare 's online payment to pay XXXX. I received notice that my account number had changed which is why it was not accepted. Oddly, it was accepted for XXXX payment but not XXXX with no fair warning as to why, and no help notifying me to be sure to change my account number if paying by check. That being said, I changed the account number with my banks online payment in time to make XXXX payment. But, unfortunately, the problem happened again. And even though I had been watching closely, I had assumed it was accepted since the money withdrew from my bank 's account. Sadly, not the case again. This time my payment was not returned to my bank account until XXXX/XXXX/16 well after the XXXX deadline. I sent an email right away to find out what happened, and to this day ( over 1 month later ) I have not received a return message and still do not know why XXXX payment was not accepted. Rather than use my online banking, I 've decided to use LoanCare 's website to make the payments since I know this will work. But, the real reason I am writing this complaint is that I received notice that my credit is now over XXXX points worse ( from Excellent to Good credit ) because of these supposed late payments. Again, I had excellent credit for a reason. My only fault was thinking I could make payments with my online banking, and have found out this was not the case. I tried to dispute the this via XXXX but, today learned it was updated but still showing XXXX payment as late. Thank you for your time.

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 2015-09-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts.

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: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, This charge was a fraudulent charge. I am a victim of identity theft with an ongoing police investigation. ( If a case number and or the lead detective are needed, I will be willing to share them upon request ). 
Immediately a dispute followed with Discover card. Was denied based on " documentation sustaining the charge to be valid '', documentation todate not revealed to me- the consumer and victim in this case. Reached out the 2nd and 3rd time. The re-denial is based upon the same information ( without gathering new information from the vendor as necessary upon re-opening the dispute ). My understanding is that, the first communication from the initial charge has been used by Discover over again to their leisure to determine the approval or reversal of this fraudulent charge. 
It is very disrespectful to be ignored and my case disrespected by Discover. 

Thank you for your help with this dispute. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ive had loan with XXXX later changed name to XXXX XXXX for almost 10 years in XXXX sold my loan to shellpoint morgage servicing. 3 months later approximately XX/XX/XXXX sent me letter havent paid my insurance on condo but i had whole time sent then state farm insurance with policy and all details then called state farm and they sebt copy of whole policy, about month later recuieved letter again never paid insurance, they said when callled never recieved and took XXXX ourt of escrow and owe another XXXX and XXXX im on XXXX and am double paying my insurance sent then through condo manager with details of company who to contact asnd manager at condo, they throught it away according to supervisor i talked to later, then said she needs to talk to condo manager with conference call she set up time at XXXX XXXX  to XXXX next day i called condo manager make sure there and oked but shellpoint supervisor hasnt called is 3rd day now and i cant ask manager to wait for calls never come they have told me on several occasions had info processing and dont worry everything straighted out never happened and about 20 or more times i left number on answering machine said would call back in order recieved didnt call back but one and didnt call back for conference are lying to me putting me heave in debt and i have all bills baid

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In early XXXX 2015, I entered Compass Bank to do business. The counter agent solicited business. I was redirected to XXXX XXXX, XXXX Representative. XXXX XXXX attempted to increase my home equity line of credit ( HELOC ). In doing so, she opened both a checking account and credit card account. I strongly protested to both immediately. She advised that the checking account was a requirement of all " new '' HELOCs, which is what would occur if my limit is increased. I was not aware that the credit card account was not closed until I received a statement a few weeks later. 

In the meantime, I did not want to go through the changes the bank required to increase my HELOC. On XXXX XXXX, I advised XXXX XXXX I was no longer interested. At the same time, I instructed her to close the checking account ( and any other accounts ) opened in relation to this HELOC application. When I received statements, banking and credit, I realized that nothing had been done. I reached-out to XXXX XXXX on a couple of occasions with no luck. When I sent her an email inquiring about her availability to assist, she established contact. Unfortunately, she failed to follow through. She did not close either account and I have called customer service to do so. Today, a week later I find out that the checking account can not be closed via phone unless it is at a XXXX balance ( sounds crazy to me ). Last week, they told me that my balance would be returned less a service charge. I was unhappy to hear that I have to pay to close an account I never wanted. When I was advised that I HAD to open a checking account, the minimum amount required to open was {$25.00}. I have already lost {$3.00} due to the monthly service charge. 

We are over 60 days and I can not get this checking account closed, just confirmed credit card account closed XXXX XXXX per my request yet I can not get this checking account closed. I have spent a considerable amount of time with Compass Bank. This reminds me of a time, not long ago, when you entered a mobile phone company 's establishment to browse and would leave to realize later that your mobile provider had been changed. The term used then was " slamming. '' Even electric companies practice slamming. I feel like I have been slammed by Compass.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got my information and used my name and accounts in which I contacted the company right away and they removed the negative items from my credit report and now its back again its not friar to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Social Finance, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 : Sofi sent an e-mail of {$20.00} bonus for viewing mortgage rate ( attached ). On the same day, I applied through the link provided in the e-mail, consented to soft credit check, and received few mortgage rate offers ( and multiple phone calls from mortgage agents ). Mortgage rate offers are attached. 
XX/XX/2022 : Inquired to Sofi about the bonus, and was advised that it would take 7 days to be deposited. 
XX/XX/2022 : Inquired to Sofi, was asked when I did view my rate ( which I responded right away that it was XX/XX/2022 ), and no response. 
XX/XX/2022 : Inquired to Sofi, was told that I have to apply via provided link, and have Sofi checking and savings accounts ( which I do have since XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied and was denied a loan XX/XX/2021 from OneMain ( violations of 15 USC 1611 and 15 USC 1691 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern,From XX/XX/XXXX to XX/XX/XXXX, the credit card company named XXXX XXXX/XXXX  XXXX   reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.

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 2015-08-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CarMax, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XX/XX/XXXX a person claiming to me bought a car at CarMax in XXXX, FL. I did not know of this until XX/XX/XXXX when I was notified of an eviction from an apartment lease. Once finding out that my identity had been stolen I immediately filed an FTC report and notified the XXXX Police Dept. Since this time I have contacted all three credit reporting agencies to dispute the accounts as not mine based on identity theft, but Carmax always veririfies the information. 



Attached is my FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
We have an XXXX XXXX with check writing. We wrote XXXX checks from XXXX to put in our UMB account to pay XXXX  XXXX and XXXX. XXXX had a system issue and returned the checks. Our account went negative at UMB and we were asked for a cashier 's check or if we put any other check in it would be held and other items could be returned. We were told UMB paid a small item, but not 2 larger items and charged the fees. We have overdraft protection in UMB and we got a cashiers check and made the account correct that day. We stil don't know if anything else will be returned. We were told there were no managers at UMB to speak to and the teller ( XXXX ) implied anyone could make a cashier 's check so they always verify them and especially since we had 2 returned checks. We are a XXXX. customer at UMB with an average XXXX balance and never been overddrawn like this. UMB was rude and can't seem to explain if the account is ok. 

XXXX corrected everything quickly, brought me the cashiers check and were stellar at customer service, we have only done business with them for 3 years. 

UMB fees will get reimbursed by XXXX but I don't want more items returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my XXXX credit report and I was completely shocked to see Bloomingdales on my credit report. I have never opened an account with Bloomingdales. Someone used my personal information to open an account in my name without my consent. 

This is a fraudulent account that needs to be deleted and removed immediately from all three major credit reporting agencies immediately. 

Bloomingdales Account # : XXXX Balance : 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 explanation
Consumer complaint received 2020-03-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo has my auto loan. They have a policy of any overpayment being applied to the next payment for up to 3 months. Once you are 3 months ahead they automatically apply overpayments to the principal. They claim that all you have to do is call in to have the overpayment applied to the principal and there is no way to do this electronically. 

So if you pay {$100.00} extra monthly, particularly electronically you also have to call in to get the {$100.00} applied to principal. This is annoying in itself and a burden on the consumer. The real problem is in the call. Unless you are extremely specific, the teller will apply the additional payments to the principal but do it ON THE DATE OF THE CALL, NOT ON THE DAY YOU PAID THE MONEY. Most tellers do not understand the difference and you end up making multiple calls to get them to make it right. 

Most people pay electronically via another bank and would not catch 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 explanation
Consumer complaint received 2022-03-16
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: Was not notified of investigation status or results

Complaint:
On XXXX XX/XX/XXXX I sent a certified letter to the creditor per Experian credit bureaus response. The response was that the creditor has certified to Experian that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested Experian credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now Experian failed to do so. 
On XX/XX/XXXX I filed a dispute to EXPERIAN and XXXX credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. Experian ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH XXXX ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau Experian and XXXX report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.

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 2016-01-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, CA XXXX. 
Tel : XXXX Email : XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX XXXX, Loan Care, XXXX XXXX, XXXX XXXX, VA XXXX XXXX : CFPB Case Number : XXXX Further to my letter XXXX/XXXX/XXXX for the above captioned. I am angry to learn that you continue to mess up my account in sending out erroneous information. 
You should have noticed that there were XXXX letters sent to the addressee from the same office, XXXX dated XXXX/XXXX/XXXX, indicated that the monthly payment was 30 days past due ( Exhibit XXXX ), while the other XXXX from the same office of the same date, indicated that monthly payment date was two months pass due ( Exhibit XXXX ). Your letters failed to indicate which monthly payment was 30 or 60 days past due. Apparently, the left hand does n't know what the right hand was doing. You had been informed of the mess-up at least XXXX times, previously by letters, and all were informed via the courtesy of CFPB, yet your office did not improve a bit towards the servicing of your customer. It is evident that there is serious break-down within your office communication ... ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed my inquiries with XXXX, Transunion, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.

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 2021-11-26
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent to collections by my XXXX XXXX I negotiated the amount to settle the debt with the collections company and I paid the total amount owing in full ( got extra points added back to my account, negotiated no maintenance fees for the year and no other amounts as it would be considered paid in full ). 

Account was debited for the agreed amount XX/XX/2021. 

Now the account was reactivated with a new account number and I am getting daily and sometimes twice daily calls to collect an over due amount I didn't agree too for reactivating the account totaling a new collection amount of {$3900.00}. 

This was never disclosed, never agreed upon by any party between the company, nor their third party agent the collection company while negotiating the terms of the collection account. I did tell them to stop calling and they continue to call daily. 
The XXXX XXXX doing business as XXXX - XXXX XXXX

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