BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have recently received an alert from XXXX, identity theft protection, informed me that I was late on a payment for a credit card. After calling XXXX, they informed me that the account related to that matter was with City Bank. Quite a surprise to hear since I never opened a credit card or an account with City Bank. 
I was advised by one of City Bank supervisor, after a two hours on the phone, to send a fax to CBR Dispute. 
After a few weeks, I did received a letter from City Bank, asking for a copy of the credit report and my XXXX digit credit card number. AGAIN, I never opened an account or credit card myself with your company, therefore I m not able to send you those numbers since I do not have any card in my possession.

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 2017-01-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Income driven repayment I was approved for because I 've worked for XXXX over XXXX years. My payment history and or loan amount needs to be updated because the amount reported is hindering my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of 3 minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have previously reporte d Portfolio Recover Associates for a highly abusive phone call in which I had to hold my phone from my ear as a representative repeatedly ( screamed ) asked me who would  have opened these accounts. All I asked for was an itemized bill showing how they got to the number they claim I owe. He talked over me, would n't let me get a word in edge wise and when I did talk, would talk down to me like I was a dog.     A supervisor was asked for and she promised I would be on a 10 day no call list.     I was called no more than 5 days LATER! I had n't even received what she claimed she would send out.     I had called back in due to getting something from them in the mail which was n't what I had requested. I found out that was n't what they were sending out and was told to wait.     I am continuously being harassed by this company despite honest attempts to work with them and simply ensure the amounts they claim I owe are factual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo closed my checking and savings accounts on or around XX/XX/2017. They did not provide a reason for doing this. Further, I had no reason to suspect the bank would close my accounts, since I never violated the bank 's terms and conditions. I never bounced a check and I 've never done anything to warrant the bank suddenly closing my accounts without providing me the consideration of an explanation. As a result my other bank, XXXX, charged me {$15.00} for a failed ACH transfer that I attempted on XX/XX/2017. When I visited Wells Fargo this afternoon to collect my account balance of {$5600.00}, the bank employees told me they were unable to give me the money. They told me I would have to wait until their " back office '' released a hold on the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent them the fileing of my chapter XXXX XXXX XXXX 2016 Equifax has been notified by the courts my attorneys office and myself and they still do n't have it on my credit report in which is ruining my credit all together my credit report was XXXX now it 's in the XXXX s please help me they are not doing there jobs correctly and I am getting ruined XXXX and XXXX are reporting perfectly ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: KEYCORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
key bank is falsely reporting late payments to the credit companies. 
bank 's payment history does not show late payments. 
I am unable to get credit due to these false reporting from key bank. 
every time I call key bank to complaint they ask me to pay extra, they said that will fix the problem, and it repeats again and again. 
please have them correct to no 30 days late as per payment history which they send to me. 
also have key bank credit me back all the late fees which are charged by mistake, incorrectly. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Incorrectly derogatory credit reporting. We have had to work through several issues with Seterus and the XXXX County Tax Assessor which took several months but is now completed. During that time Seterus marked our account at delinquent which it was not. In the final settlement I paid the account in full on XXXX XXXX, XXXX and was told at that time but the person in the customer service payment department that out account was current for XX/XX/XXXX. 

On XXXX XXXX, XXXX I spoke with XXXX XXXX in Seterus Consumer and Government Affairs Department, she agreed to correct the final issues with our account, refund the overpayment of escrow and suppress the derogatory credit for XXXX XXXX and XXXX XXXX. At that time she re-iterated that our XXXX XXXX payment was current and XXXX XXXX would be reported as on time. 

Forward to today Seterus has reported our account as 30 days delinquent for XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX left a voice message and have had no response from her. 

I also called Seterus Customer Service on XXXX/XXXX/XXXX and they verified that our account was paid on time for XXXX XXXX. Yet they still reported our account as 30 days delinquent. 

We want to have the credit reporting for XXXX XXXX corrected immediately and the derogatory credit for XXXX XXXX to be properly reported as on time/current or for it to be suppressed. 

We would like this to be addressed immediately as it is affecting both our credit ratings. 

XXXX XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX XXXX Bank account ending in # XXXX appearing on my Equifax credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX XXXX that states that the account should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: Focus Holding Company
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For over three months I have been getting collection calls from a company called Focus Receivables Management. According to the internet, their address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The collection calls are in the form of robocalls, and all of them say exactly the same thing, in effect, it is a debt collection call from Focus Receivables Management, and a number to call back. No mention is made of what the debt is ( I do not have any debt whatsoever and owe nothing to anybody ). I typically get two or three such robocalls per week. I have recorded typical robocalls which are attached as a file. I have decided that I will not respond to those calls as I have no debts, as a response would make things worse and give Focus additional information. At no time has Focus Receivables Management provided anything to me in writing. I suspect that somehow Focus has my telephone number in error but it is more than possible that it is some scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Focus Holding Company
State: FL
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:
I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Rushmore Service Center, LLC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A man came to my grandmothers residence yesterday and asked for me. He said he had papers to serve me. MY grandmother told him I was working. After getting the call from my grandmother at work about this, I did n't quite understand because I have no debts. out there. Then a couple hours later the man called my cell phone twice. I answered the second time and he just kept asking for me but I did n't admit that I was who I was on the phone so he hung up. I googled the phone number he called from and there is a website that came up that state its XXXX I then XXXX the address listed so I could go there and try to figure out what this paper work being served to me was about. I go to the address and its a XXXX shipping store.. I called the phone number about 4 times before driving there and no answer. XXXX. After going home my grandmother said the man came again to her residence at XXXX at night and asked for me again. She finally told him that he was driving me crazy because I do not have any debt out there but she will take the paper work so I could be informed what this was about. So I drive over there and read the letter and it states that our local hospital here is taking me to court for not paying a {$600.00} bill from XXXX XXXX years ago. I live in South Dakota by the way. This sounds like a complete scam. Because XXXX XXXX years ago I was XXXX XXXX XXXX I did n't have any hospital bills from back then. Everything is just fishy with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Johnson Mark LLC
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently recieved a letter from an attorney named Mark Johnson LLC dated XXXX/XXXX/15 in which they state I owe a balance of {$320.00} for a judgment with no case number given. This is XXXX of many demands for payment made by this company over the last couple of years. They have issued several garnishments against my wages in the last XXXX years. The last garnishment was confimed as paid in full by my employer 's payroll department and XXXX County Sheriff approximately XXXX. I have not recieved responses to previous requests for validation of the debt and/or confirmation of previous monies recieved. I believe this law firm is repeatedly attempting to collect on a debt that has been paid multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.

Company response to consumer: Closed
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FRAUD REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2016-07-05
Company: Freedom Mortgage Company
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had been working with XXXX XXXX XXXX for almost a year to apply for a loss mitigation on a VA guaranteed loan. I feel behind three payments because of a family medical emergency. I called XXXX to report that I had to travel from a foreign country to USA to attend to my mother 's XXXX. I did not know that I needed to make a payment arrangement. When I returned to the foreign country I forwarded XXXX {$900.00} through bill pay directly from my checking account on XXXX XXXX XXXX and {$3500.00} on XXXX XXXX XXXX and both were returned. I received a letter indicating that I needed to pay {$4200.00} to bring my mortgage current. I sent a check for that amount on XXXX XXXX XXXX and it was returned because it was not a certified check. I called XXXX on XXXX XXXX XXXX and was informed that I would have to pay {$5200.00} to bring my loan current I did not have that amount therefore, I requested a repayment plan and was told to submit a loss mitigation package. I submitted my XXXX loss mitigation package on XXXX XXXX XXXX, the XXXX one on XXXX XXXX, the XXXX one on XXXX XXXX and the XXXX one on XXXX XXXX XXXX. With each submission, I was told that they were incomplete however ; each letter requested the same information. The fourth application was accepted. I called XXXX and spoke to XXXX ( XXXX ) on XXXX XXXX XXXX and she informed that my application had been received and it was under review however, the loan was being transferred to Freedom Mortgage Corporation with an effective date of XXXX XXXX XXXX. XXXX informed me that since I had submitted a loss mitigation package and assigned a relationship counselor my loan and loss mitigation would be transferred and I would be assigned a relationship counselor with Freedom Mortgage Corporation. I called XXXX on XXXX XXXX XXXX and XXXX informed me that loans from XXXX would not be on board until the following week. On XXXX XXXX on a call to Freedom, I was informed that my loss mitigation package was not transferred and a relationship counselor would not be assigned to me. In addition, if I could not bring my mortgage current I would have to submit a new loss mitigation package. I received that package from Freedom XX/XX/XXXX with information that stated that I would have to make monthly payment until I received some information on my loss mitigation package. I forwarded XXXX XXXX XXXX 's a copy of my XXXX, my VA Letter and my husband VA letter via email on XX/XX/XXXX and submitted my completed application on XXXX XXXX XXXX. I called Freedom Mortgage Corporation on XXXX XXXX to check the status of my loss mitigation package and told that my house was sold in a foreclosure.

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 2015-09-07
Company: U.S. BANCORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I took out a car loan from a local car dealer, and was toldthat it was simple interest with no prepayment. To my surprise afterwards, and my fault for not reading the entire contract, there was a prepayment penaltySo with that said, I have prepaid the loan to {$.00}, but I am now gettingharassing phone calls from USBank telling me I am past due even though it isnot due XX/XX/XXXX. I have spokento more than a dozen USB representatives, trying to explain that I haveprepaid it, they acknowledge it, and even sometimes even embarrassed. Theyexplain, that there computer system can not handle the prepayment, andthat they will continue to call me. They state the only way that they will stop isif I pay the prepayment fee, which is not owed. How do I get USBank tostop the harassing phone calls?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
After our bankruptcy was discharged money that was in a suspense account through US Bank was applied directly to principal instead of being applied to principal and interest. This has caused me to be 3 months behind on my mortgage per there accounting. We have contacted them on several occasions to no avail. We are receiving threatening collection calls and we can not seem to get a supervisor or manager on the phone. We have spent more than XXXX hours in a Branch Managers office with him recognizing there is an error and trying to assist us via phone to again no avail. They say they will look into it but no one seems to know what is going on and we continue to receive collection calls. We make a payment early on the XXXX of the month before it is due and XXXX on the due date. US Bank is now telling us that our loan is not a mortgage loan but a simple interest loan and they are incurring additional interest on the loan. The loan document say it is a mortgage loan and no one with US Bank can instruct us where in our loan documents that they can change it from a mortgage loan to a simple interest loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief