BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since XXXX of XXXX, I have been contacting HSBC for a recorded documentation of a lien release from a loan in XXXX. I have filled out the appropriate paperwork ( see attached document ) and called several times within the month, and they said I had to wait a whole month before they would provide the lien release. This lien release is needed by XXXX XXXX XXXX XXXX to fulfill the requirements for my home re-modification. On XXXX XXXX, I called HSBC on this number XXXX, extension XXXX, and spoke to a gentleman on a conference call with my financial adviser, XXXX XXXX, from XXXX XXXX XXXX XXXX. He said that HSBC did send " something '' to XXXX XXXX, and its most likely the recorded lien release. However, XXXX XXXX told me that it was not the lien release. On XXXX XXXX, I called HSBC and asked them once again to check into my case, and apparently they did not work on it since my initial request in XXXX. THIS is after I called several times asking status, and they said they were working on my request. I explained to them once again, my situation that XXXX XXXX is threatening to foreclose on my home, because they have asked for this since XXXX, and I have not received any documentation. A very nice lady XXXX XXXX said she would get on it, but as you can see from the attached emails, she too can not get a response. 

When I called the Recorder of Deeds, they said there are two documents that refer to the same lien. Those document numbers are : XXXX and XXXX. They BOTH refer back to the same lien. I have also called HSBC as well as emailed them this information. 
There seems to be a very callous, uncaring response on HSBC to fulfill what they are supposed to do, without any understanding of the impact on my life. I need my home to live in, for my business and to take care of my elderly mother. 

I am looking to HSBC to please to submit the satisfaction letter I need, so that this daily threat of foreclosure does not loom over my life everyday and so that my life, is not on hold anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Pinnacle Credit Services, LLC
State: AR
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:
XXXX illegally charged me overage charges even though I never went over the limit. I disputed it with XXXX at the time but later they sold or gave it to Pinnacle 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 2022-02-27
Company: Experian Information Solutions Inc.
State: CA
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:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN, XXXX, & XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus Experian XXXX XXXX, and XXXX directing them to REMOVE these erroneous entry as well.

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 2016-03-30
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They call, usually robot calls leaving a message that a payment for their reference number is required at their website, www.fsapay.com, before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient, to hang up and delete the message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I believe I am being overlooked for compensation from being a victim of what Navy Federal Credit Union has done to an extrememly large number of their account holders. The following situations have occured multiple times : 1. Getting any source of available money ( large chunkes ) from my checkings or savings account to put on my credit card balance regardless of paying more than the monthly minimum payment, and having a great history doing so. That is now making my credit drop since it is a negative look, looking as if I could n't make the payment so the bank did. They did this will no warning what so ever and without my consent. 
2. Randomly freezing accounts with no warning and no reason as to why. 
3. Returning checks when I had more money available than the amount due for bills, resulting in a {$30.00} fee from Navy Federal. Also, making a red flag on my record due to the fact of giving the illusion that I am incapable of paying my bills. 
4. I was actually told by a representative they were going to be very helpful with any financial hardships, however they have completely made it worse for my family and I. 
5. When NFCU has been at fault and confronted, they act as if they have no idea what im talking about or I get hung up on mid-conversation. 
I was XXXX XXXX from the XXXX XXXX XXXX and are going through very hards times financially. Things they have done, have negatively affected my credit score. I 'm not sure how I am going to be able to pay for my auto insurance bill due to the fact that 2 months ago I paid for 2 months. I was just told today that XXXX of the checks bounced back, when I had more available money in my account than the due payment. Today I also just found out the bill that got bounced back was the result of NFCU transferring money from my checkings account to my credit card balance ( example of situation no. 1 ) without my knowing or consent. Now the insurance company is billing us for double the amount of my usual due payment. Navy Federal Credit Union has put my family and I in such a deep hole that I am afraid of not being to get out of it.

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 2020-03-03
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to XXXX and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact XXXX because they have filed legal action against me without providing me with any details. XXXX refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made. Glasser and Glasser agents refuse to return my calls or messages and refuse to offer a reasonable repayment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XX/XX/2016 company opened a collection. 
Account # XXXX {$400.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got this letter in the mail saying that I need to pay {$20.00} on XX/XX/20. I do not have a credit card. Someone is trying to impersonate me. I called the company, the number that was on the paper : XXXX XXXX XXXX XXXX, they said that it's going to take 2 minutes and 30 seconds to talk to the representative. All of the other representatives are on call. So I waited for 5-10 minutes to no avail. Plus, the number doesn't match the area code. The credit collection service says XXXX, Massachusetts, while the member 's area code is for New Hampshire in the North Numbering Plan, not XXXX, Massachusetts. Moreover, credit collection services deals with family insurances, not credit collection services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Freedom Mortgage Company
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my mortgage in two semi-monthly payments. My current mortgage company, Freedom Mortgage holds the first payment until the end of the month and then applies both to the principal and interest at that time. This means they hold that first payment ( not earning interest for me ) and charge me full interest on my loan for the whole month instead of immediately applying the first payment to principal and interest. They also keep the two additional payments that I make a year and apply them in XX/XX/XXXX even if it means they keep the money for for a full mortgage payment for many months. This seems to defeat the purpose of saving on interest payments by paying bi-monthly. Is this legal? I had no choice in who I got as a lender ( my mortgage was sold to them ). If their behavior is legal, outside of refinancing, is there anyway to get another lender with better policies? 
I would like my payments credited when they are received. This company has been terrible to work with- they do n't seem to know how to work with someone who manages their credit well and who is financially literate.

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 2017-05-30
Company: EQUIFAX, INC.
State: FL
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:
I am writing to dispute  XXXX    XXXX    XXXX   XXXX  on credit report number  XXXX . The account status and high credit is incorrect. Please delete the account.     Please attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I informed company that name on account was not my information as I have no legal documentation with that name and that my spouse last name is on bill but I was not the one that opened account and that they need to fix this information and stop with the unnecessary phone calls as I am not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: CO
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:
My sister and I have the exact same social security number with the exception of the very last digit. While going through my credit report recently I found several items on my credit which I did not open and I am positive that it was due to my sister using my social for her accounts. There are 7 student loans taken out in 2009 alone. There's no way that they all belong to me. I would like to see about researching which ones belong to me and which ones don't and see about removing the ones that do not belong to me from my credit report. 
My sister was working for XXXX XXXX a little more than a year ago and during that time her student loans were not reflecting negatively on the credit report because the company has a repayment program but a year ago my sister left that company and now all of a sudden I have all of these extra student loans that have hit my credit report and lowered my credit almost 200 points. 
I have been trying for months now to be able to figure out where the student loans are being held how much is being held and when they were open so that I could figure out which ones I needed to dispute but every single loan holder that I have called has no record of my accounts existing at all. 
I am at my Wit 's end and I don't know what to do from here and I would greatly appreciate the assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account from US Bank ( XXXX XXXX XXXX XXXX branch ) on XX/XX/2020. The banker is XXXX XXXX. According to their offer, I should earn {$300.00} bonus when I complete two or more recurring direct deposits that total a minimum of {$2000.00}, plus enroll in e-statements. I made two direct deposits, one is {$1000.00} on XX/XX/XXXX, another one is {$1000.00} on XX/XX/XXXX. Until now, almost half a year, I still didn't receive the bonus. 

I contacted the staff in that branch for more than 5 times, and every time they said they will investigate it and let me wait. But every time there is no response.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXXXXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit 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 explanation
Consumer complaint received 2020-03-03
Company: Allied Collection Services, Inc. (Nevada)
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I learned about a fraudulent account by checking my credit report. It was a collection from Allied Collection Service for an account with XXXX XXXX opened XX/XX/2019 for {$600.00}. I initially disputed the collection with XXXX  and XXXX, but received notification that my dispute was " resolved ; reported by grantor '' and it was not removed from my credit report. I then called Allied Collection Service at ( XXXX ) XXXX, at which time they said the only ways they could look up my account were by account number ( which was not listed on my credit report ) or my social security number. They said they don't have the capability to look up accounts by my name, which is unbelievable. Since the original XXXX account is definitely fraud ( we have only ever had XXXX ), I believe the collection agency may also be fraudulent. I did not give them my SSN, so they said they couldn't help me. But, they did transfer me to a recorded message about reporting fraudulent XXXX accounts. I completed the Identity Theft Affidavit form on XXXX 's website and sent that in today. I also found a lot of articles about fraudulent XXXX accounts, so I think this problem is pretty widespread. Even if this collection agency is legitimate, they certainly did not do their due diligence in verifying the account was actually mine before reporting to the credit bureaus. Additionally, I had never received one bill or notice from Allied Collection Service ( or XXXX ) ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my ally auto loan with my personal and I got the payoff check and called ally to get the right information to send the check. I read the address back multiple times and the guy said yes correct. I send the check on XX/XX/XXXX next day, I check tracking on the XXXX it shows delivered. The payoff was good until the XXXX so on the XXXX I check to see if check cleared and my ally account shows passed due, huh? So confused I call my bank and the inform me that ally cashed the check on XX/XX/XXXX. So now I call ally back and tell them about the check being cashed and nothing. They never have answers they cant tell me anything they act like there clueless and hang up the phone. I dont know what else to do I can give proof later if needed I dont want ally to see my information yet

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 2022-02-27
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018 I received an invoice from Jefferson Capital for {$1100.00}. This invoice has no explanation or statement. I tried for 3 years to get what this bill was in reference. Jefferson finally sent the original invoice. It's for XXXX. 
My name is misspelled on the invoice and its from an address I do not live. I am currently a XXXX customer in good standing under my real name and correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
had insurance policy with the XXXX XXXX last year, policy was cancelled by said group, due to late payment incurred through using personal financial institution payment option. informed, said group of such action, which response was that there were no options available, other that the policy would be cancelled. this then was progressed into an attachment to my personal consumer credit report as a debt collection, list as non-payment of a remaining balance for a product i would not have the access to use, once this was settled. that is ludicrous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation