BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: CORELOGIC INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I switched from cell phone companies. My new cell phone company was XXXX XXXX and I was no longer an XXXX customer. On XX/XX/XXXX I did receive an email from XXXX   in which they charged the month of XXXX. It was XXXX dollars. A couple of days later, I made a call to XXXX to ask them about the bill. One of their representatives checked my account and told me that they made a mistake. Days later, they put the money back into my account. A month after they emailed again. For the second time, they charged for the month of XXXX. Again they took the money from my bank account. I called them again and explained my problem. The lady apologized for the issue and told me that she would refer the case to the right department. This time she closed the automatic payment from my former account. She told me that I had to pay XXXX for one day with the service. She then processed the payment and told me not to worry about the issue. The next day the money was backed into my account. Four months later I received a letter from Credco a collection company. They informed me that my account was in the collection. I could not believe that this was happening. I called XXXX one more time and spoke with another representative. He did check my case, called his supervisor and apologized to me again giving me the same story. I did ask for a letter or email as my evidence but they refused. Still today I have my former XXXX account in collections.

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 2015-12-02
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ive been request detailed information from Central Financial Control AKA Syndicated Office Systems in regards to an alleged account they continue to report on my credit reports, I 've contacted the XXXX to get help with this company and they did n't respond until months later after my request. I 've been sending letters to this company since XX/XX/2014, they removed XXXX other accounts that were on my credit reports but want remove this XXXX. I 've contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they never responded to my many request to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: VA
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 was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.

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 2020-03-03
Company: EQUIFAX, INC.
State: VA
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 was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Upon graduation I was required by navient to start making payments, when telling them that I did not have steady employment they still placed me on payments even after asking for forbearance. After some time of making the payments when I did not have the proper funds I asked for deferment they told me that it was not possible and forbearance was the only option. After this was ending they began calling me requiring thousands of dollars per month. upon finding out about this claim I logged into my account to review documentation and it has since been deleted. I do have emails where they are requesting anywhere from {$500.00} to {$5000.00} for a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
General Revenue Corp is reporting to the credit bureaus that I owe a debt. I do not know any thing about this debt and I contacted them to try and obtain more information regarding the debt back in XXXX. They did not have any information other than an amount that I owed and requested immediate payment. 

I disputed the reporting to the bureaus and they came back as the debt being verified. As a follow-up to that I sent a letter directly to this debt collector requesting documentation and validation of this debt. 

I sent via certified mail with signature delivery. They signed for the package on XXXX/XXXX/2015. Per the FCRA they have 30 days to respond. I 've allowed them 37 days to account for time it might take for something to reach me by mail. 

This company has violated the FCRA in many ways and I want them to cease collections and remove all reporting from the XXXX bureaus or I will consider filing a lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Alabama Housing Finance Authority
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i bought a house in  XXXX  and the loan was sold to  XXXX . i have consistently received my bills with 3 days or less before it 's due. i am cynical enough to beleive that  XXXX  mails bills late on purpose in order to pressure people to pay online so the payment is n't late.   XXXX   charges the exorbitant amount of {$3.00} for an online payment. i tried to call  XXXX  3 times but the phone just rang with prompts to use their website. i have an email sent to them and i 'm waiting for a reply.   thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to file no. XXXX - my XXXX loan modification has incurred my account balance to go even higher - now up to {$100000.00} ( see attached document ) is this the way a loan modification works ... each payment increases the balance due and the past due amount with no part of the payment towards the principal..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: JPMORGAN CHASE & CO.
State: VA
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 review your letter dated XXXX.XXXX.XXXX (attached here).Kindly request to remove hard inquiry from my report to those credit bureaus which were reported by yours in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: Colony Brands, Inc.
State: KY
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:
There is a Ginny 's account which I have disputed this is unknown and I requesting validation and removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-03
Company: Accelerated Servicing Group LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company first of all goes by many different names. XXXX XXXX and XXXX XXXX harassed my brother at his place of employment seeking information on me. They also harassed an old roommate of mine whom I have not seen in years. They find any information about you online and harass everyone. Upon starting to pay them because I was unaware of any rights of mine protecting me against unfair debt collections, and I was also terrified of them harassing my friends and family. I am almost done with paying them and come to find out I receive another bill from yet another debt collector for the original debt that I supposedly paid to these people! ASG XXXX, XXXX, XXXX, XXXX. I found all these names.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-19
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: Problem with personal statement of dispute

Complaint:
I have disputed with all agencies with no responses starting 2019. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.

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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prior complaint  XXXX ,  Bayview  does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for  XXXX  from  XXXX   2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website.   They are sending me foreclosure notices and were calling me for payments even though I do n't owe them.   Of note also is they were using the wrong interest rate a supposedly corrected it.   I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Alleged fraud, Bank of America claimed a permanent credit of {$1800.00} was added to our account for our use that Bank of America knew was not actually available and supported that claim with false information to cause us to use the funds to the advantage of Bank of America. Funds were not available, just a temporary fake number which was removed after use. Multiple proof in hard copy from Bank of America. fraud -intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right ) - fraud -intentional perversion of truth ( claiming {$1800.00} was available in my account and the merchant had been contacted, neither was true ) in order to induce another to part with something of value or to surrender a legal right ( to falsely indicate {$1800.00} was immediately available to use on the BOA credit card ). Considerable documentation and proof in hard copy. Multiple false claims by Bank of America on available funds that were never there.

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 2016-10-05
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Pioneer Credit recovery called my sister, Mother-in-law, and sister-in-law asking for me. They identified themselves as debt collectors which I believe violated my privacy. After speaking to the debt collectors they reported only having my information for two days.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am aware that deletion is admission and I need to be compensated. Exhibit XXXX  shows account reporting. Exhibit XXXX  showed account not reporting on consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit scores appear to drop significantly by 50 points or more anytime I use a little bit of my available credit. I'm talking about less than 15 % of my available credit. For instance just recently I had a balance reported of {$2400.00} on one of my credit cards to the credit agency and my credit score dropped XXXX points. this is not the first time this has happened. It happened to me about four months ago on the same credit card when I temporarily used half of my credit available on that card for five days and then paid it off. My credit score dropped XXXX points and has never gotten back to anywhere close to where it was before. I pay my bills on time I pay my mortgage even in advance and I keep large balances in my checking and savings account but nothing seems to work with regard to keeping my credit scores up. Now my wife 's credit course never dropped significantly. She's on the same accounts that I'm on and her credit score may change by a point or two but never anywhere close to 10 or 15 points let alone XXXX plus points. The only significant difference between my wife and I is that I am XXXX XXXX and she is XXXX. We have been watching this trend for several years and thought well maybe it's just something going on with the credit agencies but I have tried everything and I'm frustrated with the continued dropping of my credit scores far below where they should be. There doesn't appear to be any system in place to help someone like me. I'm just tired of having to take it and having to pay higher interest rates because my scores are low. I need someone to help me.

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 2022-07-07
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Its second time that it happened that Bank of Texas blocked me from using XXXX AND I had used my account regularly and normally and I did not used my XXXX profile fraudulently and I did not used my XXXX lately or receive any money transaction fraudulently at all and the money I sent are thru friend or family. And found out someone ( Roommate ) stolen my identity and open an bank account and mobile line under my name and registered on XXXX XXXX and received money and now XXXX blocked me on my bank on every XXXX  on my bank saying i violated the user agreement and I had already file a police report about the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In XXXX of 2021 I received a solicitation from Bank of America that if I opened a new checking account with them and set up automatic deposits over a given amount of time I would receive a {$300.00} credit to my account. I assume I received this as I was a long term credit card holder with them and they were looking for me to join them with a checking account. I met the qualifications given me but did not receive the credit promised. I called in XXXX and was told that yes I did meet the requirements and should receive the credit in a couple weeks. In XXXX I still had not received the {$300.00} and called again. I was told again that they didn't understand the delay and would see that the problem would be resolved. Still not seeing the credit I called again in XXXX and was told that they could not find such a program offered by them and I would not be entitled to the credit. I checked online and they are still offering the program and when I checked further they did indeed offer it the summer of 2021. I set up my checking account over the internet and do not have any documention that I was opening the account based on the fact that they were offering this promotion but it was the basis of my descision to do so.

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 2022-02-25
Company: DISCOVER BANK
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Discover Card Checking account was given orders to pay automatically every month on XXXX day {$500.00} towards loan to XXXX XXXX for the car purchased in XXXX. Loan expiration date ( without interest charged ) was XX/XX/XXXX. Last payment on the loan was made on XX/XX/XXXX. At the end of XX/XX/XXXX XXXX mailed us a title deed for the car since the loan had been paid in full. In XXXX after paying the last {$500.00} payment I have cancelled that payee. In XXXX no payment was made but in XXXX suddenly the payee- XXXX XXXX appeared again and the payment was made on XX/XX/XXXX. XXXX returned the payment on XX/XX/XXXX. I called Discover and asked why that payment was made and why the payee - XXXX XXXX was restored. Person who talked to me indicated to me that he would call me on my cellular phone but instead of calling me on that phone he closed the line. I deleted that payee yet again. Then my husband on XX/XX/XXXX received e-mail informing him that our Discover account had Not sufficient funds. When I went to see the account I found out that on XX/XX/XXXX payment was made again to XXXX XXXX which caused the depletion of our funds in that account. The following day funds were returned. Today, XX/XX/XXXX I and my husband called Discover and went through four people : XXXX from XXXX, XXXX from XXXX XXXX XXXX, XXXX from Arizona again and the last lady 's name I did not record. She put me on hold for more than half an hour claiming that my identification was blocked and then fraudulently claimed that it was XXXX XXXX who demanded the restoration of the payment. Title deed was issued on XX/XX/XXXX and copy is attached as well as the last XXXX statement from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt was filed with the company in 2008. 

The debt is no longer valid. It is outside of Statued Of Limitations. 

They are still calling and harassing me on my personal cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This company charges exorbitant fees, so I still make it a point to pay it off every month to avoid fees. Again, this month they would not let me pay it off in my usual large payments. I made the first payment and then a second smaller payment when I started receiving errors. When I went to make the third/final payment the system would not allow me to complete the payment. I received the error " This request can not be serviced at this moment. Please contact AF247 for more details. '' When I called them I received repeated canned responses with no support. They had the nerve to tell me making large payments sets off security concerns and made me " validate '' myself all over again by sending them my credit card and driver 's license over email ( I'd done this multiple times in the last few months ). This purposely causes a delay in order for them to impose their fees by PREVENTING me from making a payment. To clarify, the problem is not with my bank or credit union ( payments were attempted through two debit cards from different banks AND direct from my checking account on file ). This error message came up when I tried every form of payment. The problem is 100 % with AF247. The MUST release their unethical hold and allow me to pay the full amount.

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