BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Property tax exemption was approved XX/XX/XXXX by City tax assessors office. 

Loan was transferred from XXXX to Freedom Mortgage on XX/XX/XXXX with an escrow surplus. Made numerous phone calls to XXXX prior to transfer of loan, but to no avail. 

XX/XX/XXXX emailed Freedom Mortgage Customer service regarding escrow refund. XX/XX/XXXX received a generic email response referring us to " Your Loan Transfer - FAQ '' on their website. 

XXXX with Freedom  Mortgage representative on XX/XX/XXXX & requested escrow refund, in amount of {$5100.00} -- she asked we send proof that we were tax exempt - emailed copy of tax exempt letter. 

XX/XX/XXXX Spoke with Rep Id # XXXX in regards to tax exempt letter submitted - said target completion date was XX/XX/XXXX. 

Spoke with Rep. Id # XXXX on XX/XX/XXXX, notes per escrow dept ... '' our research found that your account is not being escrowed for your property taxes, but for your homeowners insurance ''. Rep. said that escrow analysis can only be run within 90 days of acquiring loan. 

Called back on XX/XX/XXXX - Rep. Id # XXXX, says since they acquired the loan, escrow analysis could be requested at 60 days. Rep ordered analysis, said the target completion date XX/XX/XXXX. 

XX/XX/XXXX spoke with Rep. Id # XXXX, claims pending tax research and unable to do escrow analysis at this time. - - - - - Requested to speak to supervisor ... ID # XXXX. Supervisor said that escrow was done on XX/XX/XXXX BUT had not been " downloaded in the system ''. That it may take a few weeks. 

In a nutshell ... getting the run around, Freedom Mortgage holding our money for no reason and seem to be stalling on processing a refund.

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 2020-11-27
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I am disputing this account. I ask for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally If they are saying it is verified then where's my proof? What methods are you using to verify?

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 2022-09-14
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i took a title loan again my XXXX XXXX XXXXXXXXback XX/XX/XXXX couple months into the loan i lost my job and wasnt able to pay on the due date. i contacted the costumer service number informed them they told me to pay by a certain date i believe 2 wks from past due. which my mom let me borrow and i paid. mean while they repossessed the car with out notice. then shipped the car from the tow to XXXX XXXX with no notice. when i found out my car was towed or repo, i called police to figure out if stolen or not. but once i found the lot they had my belongings in a bag and charged me {$300.00} to get which i did. i then called the XXXX lot where my car was, they didnt have records of my car being there and would contact me back. mean while there collections dept. was telling me to continue to make payments to them even tho no one could state where my car was. i refused to pay. later i get ahold of customer service ( who is very rude ) they told me the auction and sold my car. i was very upset, i inherited the car after my fathers passing. fast forward, i am requesting documents of the sell and see the total balance after deduction of the sell of my XXXX which was valued XXXX XXXX XXXX $ XXXX. they never sent or replied to my calls XXXX therefore i took my lose and was waiting for the 7 years to past. now when i disputed the total charges on what i owe with the credit agencies, it states i still owe the amount i originally borrowed which is impossible. i no longer want to communicate with the creditor they are rude. the 7 years should be up in XX/XX/XXXX. however, they are saying XXXX of XXXX which is incorrect as well. they are reporting false balances, if anything they owe me the difference of the sell of my car. when i took out the loan i had a XXXXXXXX XXXX, this was a predatorial loan. i still have the contract i signed if needed.

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 2022-09-14
Company: EQUIFAX, INC.
State: WA
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:
How many times do I need to tell you that this is not my account. It was been removed and now reinserted without even notifying me? This isn't fair. I felt I am being ignored and taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I continue to be contacted about an 11 year old Wells Fargo debt that was settled six years  ago in collections. 

I've had at least three new collections agencies call me and threaten legal action in the last year. They say they have mailed me a summons, they say someone has come to my house with a summons and I ignored them. They say I will be taken to court and my wages garnished. Now a new one is calling. They call and disturb my mother 's house. The new # is XXXX They start yelling on the phone and talking over you when you try to explain that it's taken care of. They tell you it's too late. You tell them to take your number off their list, they continue to call and bother my mother. They are even calling my sister who has an old phone # I haven't used in almost 10 years. 

It seems there is no way to stop this never ending cycle and it's all Wells Fargo 's fault, since they were hacked it's all started happening.

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 2022-05-05
Company: Chrysalis Holdings LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New Day Financial LLC has been sending me VA Loan junk mail for years. I have called them and requested they stop sending me mail but have not complied. Their mail is misleading and predatory. They claim guaranteed amounts of cash out home equity loans and claim lowest interest rates. The mail is deceptive and appears to come from my bank or mortgage processing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
cc of complain to XXXX XXXX : Ref XXXX Acct XXXX XX/XX/XXXX rebilling of XX/XX/XXXX of {$730.00} Dear Sirs : I hereby request immediate removal of this charge. I found it on-line shortly after the original posting and repeatedly asked for documentation from XXXX XXXX, XXXX XXXX, XXXX, and XXXX and received positively no documentation or justification for the charges. The rental was prepaid and charged to my account long in advance of the trip. Additional charges were added to my account when I arrived to pick it up. No further charges were mentioned when I returned the car, despite the fact that I was within sight of their office for over an hour while cleaning the car and they inspected the car long before I left and did not mention any damage. During my repeated requests for documentation for the XX/XX/XXXX charges, I made it plain that the documents were needed if any damage was claimed, since my card includes a collision damage waiver to cover any damage. That documentation must be submitted within 90 days of the charge and XXXX has neglected to make any submission possible by their negligence and complete failure to provide documentation. I agree to no further charges and had already paid MUCH more for the rental than the advertised amount, including a number of hidden charges. The car was returned clean and in good order. 
I have repeatedly telephoned XXXX customer service and have twice been told that illegible documentation appears on their screen and that I would receive it within 10 working days of the rebill. I have not and according to them, it is illegible anyway. 
I think you will agree that this situation is completely unsatisfactory. Please immediately and permanently reverse the charge. I have made every good faith effort to resolve this situation. XXXX XXXX has not. My understanding is that federal law requires you to remove these charges.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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:
I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

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 2016-09-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Macy 's company has requested a bill that I pay a bill that XXXX collection agencies could not provide me a copy of the bill. After 3 months, I was provided with a copy of XXXX bills from 2015. Both clearly state that the bill was paid. Numerous calls, and a letter to the Macy 's dispute center was sent. No response. The amount of XXXX.was paid after being harassed by collection agencies and no proof of the bill had been shown to me. In good faith, I paid XXXX and refused to pay the interest of XXXX until the bill arrive. The bill clearly stated " Paid '' - If Macy 's bill says clearly paid and they can not provide any more information or respond to my letter. This alleged charge from Macy 's is impacting my credit score and inability to pay a lower rate at my prospective home purchase. Now I have XXXX bills, clearly stating " paid '' and made an additional payment of XXXX to a collection agency and no response from Macy 's on why I continue to be harassed and not refusing to show any evidence to prove that I have not paid. My FICA score is being impacted and need this matter resolved. Macy has shown poor ethical practices and power to shut a consumer 's ability to work this problem out and impact ability to purchase a home at a lower rate. This is intolerable and not what a retail store should have the power to do to consumers.

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 2017-05-22
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On   XX/XX/XXXX   I called the  company   XXXX   XXXX   to cancel my account becouse I was moving out of   that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on  XX/XX/XXXX  a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency  ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad   XXXX   XXXX   did  not informe tham my phone number. Payed the collection agent in full on   XXXX   the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my  credit enven knowing that was n't my fault. I felt wronged for   XXXX   XXXX   because all of this situation was n't my fault.  Thank you Sent from my  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act XXXX  account XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights XXXX XXXX Account # XXXX Has violated my rights 15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2020-04-09
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
As many Americans I am not working due to the Coronavirus Pandemic. Bridgecrest will not help the customers. They will not give 2 weeks for payments to be made. Their answer to everyone is file  unemployment or use your Stimulus check first to pay our loan. 
Every other car company I know of are putting their customers first. Bridgecrest is only putting themselves first!

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 2016-10-27
Company: NCB Management Services Inc.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Pyments were twice a mth. Bcause of personal issues. Requested once a mth pymts. They said ok. Well bcause of same issues was already late for XXXX pymnt. I was called by WHO I THOUGHTwas the collections dept. I agreed to make my mthly pymt higher the XXXX of the next mth. So a few mths go by all is fine, but when I think its my last draw and should be 1/2 a draw bcause they did a XXXX draw that i was n't expecting a full pymt was taken and I found out at that time that they were not the company I contracted with, but a collection agency. When I called them, they refused to give me back my money. The lender was XXXX. The last draw they took was XXXX/XXXX/16 for XXXX. I recieved an email from them XXXX/XXXX/16 approving the renegotiation payment date. My balance was roughly {$2700.00}. When i recieved the call in XXXX I thought nothing of it, because I was late, and I figured they wanted to up the payment. I was in my car at the time, and I had people in the car with me. I agreed to the upped payment gladly, and made the payments gladly, because as I said i thought I was talking to XXXX!!!! Once that over draw came out and I called them and found out they were debt collectors, I was horrified!!!!! I told the to listed to their tapes, and they could easily tell that I thought I was talking to XXXX because I even mentioned the young man who called me initially when I was running a week behind on my payment. I told them to give me my money back!!! So far they 've refused. Ive been going back and forth for some weeks now. I want my money back. As far as I 'm concerned they 're thieves. I know they could tell that I thought I was talking to XXXX. When I said that to them, their response to me was " Why do you care who gets the money ''!!! They owe me a minimum of {$220.00} and I want it back. They 're Liars and Thieves. I hve the emails from elastic, my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I inadvertently took out a Pay Pal account approximately 4-6 years ago. I was unable to close the account, and have never used it. 
I have email printouts from both XXXX and XXXX dating from XX/XX/22 to XX/XX/22. 
I was contacted by the pay pal billing dept on XX/XX/22, concerning a {$600.00} bill for purchase of three {$200.00} gift cards from XXXX, {$600.00} total, which I did not buy. 
XX/XX/22- received a second email billing for {$600.00} I called the pay pal billing dept to report that I did not purchase the gift cards. 

I was referred to the above win.services email address, and sent my refund amount and last four numbers of my bank account. However, the amount was XXXX ( hit the number 4 instead of $ ). 
They explained that the scammers had made a {$4600.00} deposit into my bank account, and I needed to go to get eight XXXX gift cards of {$500.00} each, and to read the numbers on back of the card to provide pay pal the credit for the amount shown as a deposit into my account by the scammers. Meanwhile they assured me that they were cleansing my computer of hacker access. They showed me the deposits into my bank accounts, and my credit union account. I continued to believe them, as the format showing deposits into all of said accounts were the same as I encounter routinely doing on-line banking. Thus, I believed what they said. This process was repeated multiple times. 
Total withdrawn by me in cash to pay for the XXXX cards was near {$30000.00}. 
I have scanned and uploaded the emails from the two above sources. 
I learned that the bank and credit union accounts showed no deposits, even though I observed same over my computer, which I had released to the above bad guys. The nonly way to check actual account activity was to go to the bank/credit union XXXX Further, the cash withdrawals drained my accounts of {$30000.00} I received an additional pay pal invoice on XX/XX/22 for {$500.00}, which is included in the uploaded file. I do not intend to pay this invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Frontline Asset Strategies, LLC
State: TX
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: Investigation took more than 30 days

Complaint:
This is not my account, I do not have a XXXX  account before. I have try to called them to get this off my credit and tell them keep give me the running around about this. My name have been change since XXXX i do not go but the last name XXXX  anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 a certified letter was sent to Equifax Credit Bureau exercising my right as a consumer requesting information through the method of verification, along with a copy of the record obtained on the bureau 's website with the purpose of knowing how bankruptcy information was obtained by the bureau. 
In the same letter, I highlight the time limit when this response should be delivered in accordance with the FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

According to the USPS records the letter arrived on XX/XX/2020 at the unit XXXX XXXX XXXX, XXXX, GA. XXXX, but as of today XX/XX/2020 I have not received any response from the credit bureau, therefore based on the credit bureaus lack of compliance with the method of verification I am requesting the item be deleted immediately from my credit report. 
This is a formal complaint which if no further action is taken by the bureau it should be considered as a step prior before pursuing legal action.

Company response to consumer: Closed with explanation