BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
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:
My mortgage was originally with XXXX XXXX XXXX XXXX and was sold to Freedom Mortgage recently. When XXXX XXXX XXXX XXXX closed the account my FICO scores for the three major credit reporting bureaus XXXX, XXXX, and XXXX took major negative hits according to my account through XXXX. I contacted XXXX who mentioned Freedom Mortgage must report the home loan with all the past history dating back from the time it was with XXXX XXXX XXXX XXXX. I contacted Freedom Mortgage concerning this issue and their response was they have 60-days to report to the credit bureaus after a loan transfer and refused to report current information. Meanwhile Freedom Mortgage keeps asking if I want to refinance. I DO NOT because my current credit score took a major hit due to the loan transfer which would result in higher rates. This is an extremely shady practice on Freedom Mortgage part.

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 2016-01-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I XXXX XXXX have things on my credit report that should not be on there. Certain things have reach there statue of limitations, and other things, where my social security number has been use as fraud. I would like this things taking off my credit card. I never had a mortgage, never bought a home yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I obtained an automobile loan from USAA. During the telephone conversation to apply for the loan I was offered an extended vehicle protection plan which I purchased with non-loan funds held in a DDA account at USAA. The funds for the EVP were deducted from my DDA account on XXXX/XXXX/2015 the day I picked up the car. I had changed from one dealership to another, and from one car model to another and as such I called USAA to notify them of the new information and seek a new price on the EVP as I selected a different model vehicle than I had described during my first telephone call to obtain the loan. 

The EVP proved unacceptable for many reasons and I rejected it for a refund during the preview period during which the customer may review the documents. 

The vehicle loan was established using a check-like form presented to the vehicle dealer. The bank accepted the form from the dealer and funded the loan. The bank added as second ( with a different policy number ) EVP to the loan principal and obtained state doc stamps for the entire proceeds of the loan including this unwanted second EVP. 

Telephone conversations with USAA have proved fruitless. I have asked them to remove the second EVP they added ( they may contact the vendor of the EVP to rectify their error ), correct the loan amount and correct the doc stamps. They have failed to do so putting the onus on my to reach out to the vendor of the XXXX EVP and cancel it on their behalf. This would leave the doc stamp difference unresolved. 

USAA as an agent for the EVP has made misrepresentations to induce me to purchase the EVP. USAA failed to assist in obtaining a refund for the initial EVP. As it was purchased based on the EVP 's agent 's ( USAA ) incorrect plan description I felt it incumbent on USAA bank to assist in recouping the funds debited from my account at USAA. 

USAA improperly and without authorization added an unwanted product to a consumer loan in violation of the law. When notified USAA took no timely or definitive steps to remedy their error. Rather they insist the customer untangle the mess they have made. The number of errors, misrepresentations and the stonewalling by USAA customer service lead me to hold the opinion that this is not simple errors but a pattern of incompetence, a breach of fiduciary duty, and perhaps even fraud and I encourage the CPFB to investigate and take enforcement action.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw on my report a collection for {$1100.00} from XXXX XXXX placed by Penn Credit Corporation with an original creditor of XXXX. I disputed it and it said it was verified. I never had a utility account with XXXX. I called Penn Credit and the lady was helpful and transferred me to the voicemail of a specialist who has never reached out to me in over 3 weeks. The representative told me that she couldnt discuss the account with me because although it is under my social, my name is different from the name they have on file for the collection. I even offered to settle it to get it off of my report but because I dont know what name its under she told me I couldnt pay it and she cant help me. Im writing to you asking for your help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please remove the following account inwhich is unknown to me nor is my responsibility 1 ) XXXX Card Services

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 2017-01-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I see that Equifax credit Bureau filed a civil Judgement Case/Docket # XXXXon my credit file which this account was paid in full on XX/XX/2016 I have a proof of my breakdown rent report that shows it was paid in full satisfied and because of this Equifax has ruin my credit without no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My account was discharged in bankruptcy and court ordered that all debts have been paid. Bayview Loan Servicing corrected all information on my credit report per court and lawyer and then when I was in the middle of doing a refi i find that they changed all of the information on my credit report. They now removed all information showing that it was in bankruptcy, They put that my account is 150 days past due, my mortgage payment is {$300.00} higher than the actual amount. I feel that they are doing this constantly to keep me from refinancing to another company. I have contacted a lawyer and am preparing to sue the company. I am highly stressed and distraught over this entire process. They are reporting fictitious and different information every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i ask the money source for instructions of pay of loan amount, the money source send instructions to new mortgage co. we paid the money source the amount they calculated and ask, then thth money source took money from escrow account and said that the apy of amount was short. we paid what they ask. the money source then send explanation account loan spread sheets which does not make sensse numbers do n't match. the money source gave wrong pay of amount, due that they forgot to deduct XXXX principal and taxes and insurance that they recieved. so that no means that the pay of amount was supposed to be less than what the money source original send to new mortgage co. and we paid. it was the money source fault they did the wrong calculations, and they penalized me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I requesting the help of the CFPB and the United States Government to help protect me from the fraud and criminal acts in which BMW Financial Services is manipulating the COVID-19 pandemic to  charge for false and unsubstantiated fees while not meeting with me in person to inspect my vehicle, but sending a bill 100 % false claims and having their customers service representatives serve no value if standing behind fraudulent claims. 

I feel completely helpless throughout this entire process. I leased a XXXX vehicle, took meticulous car of the leased vehicle, including having the XXXX dealer perform every service / maintenance, including purchasing all 4 brand new tires from the XXXX dealership during my lease on XX/XX/XXXX. As you will see per the attached documentation, I returned my lease approximately XXXX miles later, while having BMW Financial Services charging me for another 4 brand new tires ... this is simply fraud and should be considered a criminal act committed by BMW Financial Services. At the end of my lease, I was informed that I would be charged a fee if I chose to not continue leasing a XXXX vehicle. In order to avoid paying a fee, I decided to stay with XXXX to lease another vehicle ( which I did on XX/XX/XXXX ). On XX/XX/XXXX, I returned the XXXX lease ( that was due on XX/XX/XXXX ) and moved forward with a new lease for a XXXX vehicle. The lease of the new vehicle went extremely smooth and I could not be happier. 

Leading up to returning the XXXX lease and on the day I returned the vehicle on XX/XX/XXXX, I was informed by BMW Financial Services that due to COVID-19 inspections could not be scheduled and that I would just need to return the vehicle to the dealer and they would conduct the inspection at a later date. As recommended by the dealership, I took pictures and video of the meticulous condition in which I returned the XXXX vehicle to the dealership. 

Per the attached documents and phone calls with the BMW Financial Services, they have completely false and outlandish claims that there is {$1400.00} in glass damage, the car requires a new bumper, requires 4 new tires, windshield sensors and additional maintenance in which all totaling an amount due of {$4700.00}. Upon the CFPB receiving my attached document and pictures, you will clearly see how this is fraud. A company in the United States of America should not be able to continue doing business upon being proven guilty of such fraud. This is an outrage and blatant case of fraud during a time that the entire population feels helpless due to COVID. 

I am attached pictures of the XXXX the day I returned the vehicle to the XXXX dealership. I have a video that I can also share upon aligning on how to share it with the CFPB. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: U.S. BANCORP
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In regards to my previous complaint XXXX USBank was required to respond to my complaint on XX/XX/XXXX, they provided me with XXXX forms ( a claim form and affidavit which I have attached ). 
-On XX/XX/XXXX, I had these documents notarized and faxed. 
-I called them on XX/XX/XXXX and they stated that they had not received my documents. I refaxed and emailed them my fax reciept and the documents again on the same day. 
-On XX/XX/XXXX I spoke with USBank to XXXX in Fraud and was told that their e-fraud department would be getting in touch with me. 

I have not heard from USBank since and have not been reimbursed the escrow for which I was overcharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After Looking at my credit report i noticed Hunter Warfield inc is trying to collect a debt that i have no knowledge of i have never signed a contract with them nor have i ever entered any agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am having multiple issues with Navient. To include harassment, falsely reporting to credit bureaus, not offering any payment plans, and unwilling to work with me. I have attached documentation further detailing this matter. It has been going on for over two years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have my payment on auto pay. I have at times encounter that the change in payment does n't go thru. ( 3x ) I have always paid. Now at first it did n't register. But now that it has happened again I think this practice is very shady and unethical. My auto payment goes thru but since the sum has changed PHH Mortgage Co. does not apply the payment to the current month. It claim it goes to principal and therefore causes my account to go delinquent. On top of this they XXXX a late fee. So you can imagine my surprise when I received a bill more than double what I am used to paying. To top it off..To rectify the issue they have to file and wait for another department to XXXX and refund or deny etc.. in 15 days which causes me to be more late.Which puts me in jeopardy of more late fees! I do not understand how no one is addressing this. They are cause this so they can collect more revenue from customers. It should be a simple fix. 
Oh and by the way the agent are not notifying me of this I sent a check for the diff in payment not knowing there was a late fee. Now I just received a bill for the monthly payment they claim was n't paid ... yet the monies ( to their benefit ) went elsewhere. This can not be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

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 2016-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've disputed the accuracy of a collection account on my credit report for over 6 months now. The collection if from XXXX XXXX XXXX , XXXX and it is in the amount of {$2600.00}. I 've no idea what this debt is for an I 've been unable to get anyone to send me information regarding this debt. XXXX and Equifax continue to list this as a debt I owe, though when I called XXXX XXXX they said this debt belongs to my XXXX year old daughter. Who not only has n't lived with me in over 7 years but has n't been on my insurance in about the same amount of time or more. The address that this bill is under is also different. My address is XXXX, Ga XXXX - But the address of my daughter who created the bill is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. It seems as if this is falling on deaf ears and it 's really damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from Diversified Consultants Inc. the calls are being made via their auto-dialer system. when i answer the call it says " please hold for the next available representative '' after waiting 10 seconds i hang up. finally i got frustrated on XXXX/XXXX/16 and called back, a rep answered and i asked him to cease and desist all calls and all future communication should be via mail. the rep interrupted me and said " i already removed your number '' and hung up on me. i called back and asked for a supervisor, guy came on the line and ID himself as a supervisor. i told him about his rep 's actions and wanted him to file a complaint. he barley acknowledged my complaint and proceeded to try and collect the debt! then he tried to coerce me into disputing the debt by saying that 's the only way we can stop collections activity against me. i tried to reason with him and told him i have worked in collections for 10+ years and i know FDCPA policy and CFPB policies. you think that would have slowed him down a bit. it did n't! i tried to explain the debt was placed in error but he continued to tell me it was n't and it was a valid debt. i tried to warn him about his company 's auto dialer system is calling my cell phone and probably others and the risk involved with calling cell phones. he was n't interested. he either wanted to collect the debt or coerce me into disputing the debt after i already told him i am not disputing the debt the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I took out a loan from LoanMart XXXX XXXX Loans. My first payment was due XXXX/XXXX/15. I contacted them and told them my payment would be late which I was told is in compliance. I was to make my payment to them on XXXX/XXXX/15 so that would include XXXX payments. I received a billing statement reflecting that with no past due charges because I contacted them. They repossessed my car and damaged it and my yard on XXXX/XXXX/15.

Company response to consumer: Closed with explanation