BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had service with att for home and wireless service on combine billing, my home bill part was approx XXXX per month and my wireless varied between XXXX and XXXX a month. After a while I had the home phone service canceled because I was not using and was not under contract for that. I kept wireless until XXXX of 2013 and then I canceled service and went with another provider. I received a final bill from att for XXXX which I paid in full. A few months later I check my credit report and there 's a collection on there for XXXX. I called att and they could not find where I owed them anything or where it was in collections. So I disputed with credit bureaus and they removed it. The collection agency then sold the collection agency to another agency and it showed back up on my credit report, so I dispute again and it 's removed again. So now it 's sold again and some company if systems has it on my credit report again and the bureau will not take it off this time. I have asked for disclosure of this collection and why I owe it and have not received it. I have no idea of how I owe this or where the amount came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I recently made a complaint to cfbt and was unable to login to see the response from the credit agency. However, Since then, the agency has taken steps to even further damage my credit score. I have done everything in my power to correct my past mistakes and continue to build a respectable history. I feel as though this agency, Transunion and its employees or reps are incorrectly reporting and I would go as far to say taking retaliatory actions on my report as they have once again lowered my score by XXXX points. My score now is even lower than it was when I initially began to attempt any corrections last year. I have retained a malpractice attorney and we are in process of a civil suit. I 'm not certain as to what this site does to attempt to help and protect the consumer because nothing positive has happened since I have taken the time to reach out for assistance. I am writing once again to make certain I have record of every single action this agency has taken as well as snap shots of every time this agency has negatively impacted my credit with no cause. Every action all showing the same drop in score from XXXX points per change. Please note once again that I have increased by credit line, paid all payments on time the last 9 months, paid off XXXX debt collection ( I have XXXX at the moment. ) All of these positive steps I have taken Clearly should have increase my score, it is plain as day to see it is retaliatory action.

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 2016-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion has ignored my request by constantly running around the issue. They yet to explained why an account that shows Paid in Full by the borrower on XX/XX/2015 TransUnion continues to report a 90 days late payment on XX/XX/2015. Even their own report makes no sense as they report the account " OK '' for all previous months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 90 days late on XX/XX/XXXX. I 'm attaching a picture ( sorry can not upload the document to my PC ) of the document proving my claim. They keep sending notice of investigation closed without addressing or changing the negative report. Neither an explanation of how they arrived at the same conclusion than before. TransUnion is in violation U.S.C. 1681i 611-15 ( 4 ) ; ( 5 ) ( A ) ( i ) ; ( 6 ) ; ( 7 ) ( 8 ) The complete arrogance and indifference demonstrated by Transunion is beyond justification. Specially, since other consumer reporting company have corrected it by deleting the same negative item from their 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 2016-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion had an item submitted by XXXX XXXX suppressed from reporting on my credit report until XXXX XXXX updated the information. I was not notified as to why this information was suppressed. I just happened to review my credit report and saw the information from XXXX XXXX was suppressed pending update. However, as of today, XXXX/XXXX/16, the information for XXXX XXXX was back on my credit report. If XXXX XXXX did not update the information in the specified timeframe should the tradeline be removed from 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 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get a credit report from all XXXX bureaus. I have received experian, but i did not recieve on from trans unions or XXXX. They said i have recieved one already even though i have not. If i can get the issue resolved fast I would appreciate it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Account information incorrect

Complaint:
To whom it may concern, I have contacted Experian regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from Experian. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Please remove the following inaccurate information : Collection Creditor : XXXX XXXX XXXX - {$340.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX 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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i have a student loan account that has been closed for a long time and it 's still showing on my credit as an active closed account. I have disputed this situation with the credit bureau and it was suppose to be deleted. This has n't been the case yet. This type of account is past XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
U.S. BANK HOME MORTGAGE is trying to overcharge me, SCAM ME again and again by sending me letters again and again even though I made my first and most recent mortgage payment on time on XX/XX/2016. I am being repeatedly harassed by U.S. BANK HOME MORTGAGE with letters that says I paid only {$190.00} which is a total lie. MY monthly bill is {$810.00} and I paid 5 payments of {$190.00} and it was received by them on XXXX XXXX. In my bill for XXXX, it clearly shows I paid more than the monthly due and I have attached it with this complaint. I have also attached one of the several letters they sent me that says I did n't pay my recent mortgage bill in full. I actually called US bank 2 weeks ago and complained to the agent about their harassing letters that are full of lies, the agent on phone told me yes they received my recent bill on time and that the letters they sent me were in error. Yet I still keep receiving these letters that still says I should make my monthly payment by now and threats about being reported credit bureau agencies for late or missed payment. 

I want US bank to look at my mortgage account and correct any errors and contact me to apologize for all the harassing letters and the attempted scams. In the attachments I have sent with this complaint, you will see 1 letter that proves I made my XXXX payment on time and paid more than the due, you will see 2 letters that says I did n't make full payment and threatens to report me to credit bureau agencies.

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 2016-04-27
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As you know, many Americans have faced extreme hardship. XXXX and XXXX XXXX have faced them as well, and we are trying to finalize debt settlement via short sale on their home located on XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. The first mortgage holder, XXXX XXXX did a great job, however, we are waiting for the second mortgage lender ( US BANK ) to issue an approval as well. We originally submitted request for shorts ale approval XX/XX/XXXX and to date, US BANK, has transferred the file to numerous represntatives. Initially US Bank claimed an individual named XXXX was handling, then it was transferred to a XXXX and now we 're passed onto a person named XXXX. And each person seems to not have much care into reviewing this approval process. We request the CFPB take a look into this file, all the emails that have been sent relative to this request and ensure that US Bank is following correct protocol on this. The homeowners are so close to settling a lot of debt and finding some much needed financial relief. It is my hope that US Bank will no longer delay and expedite its attempt to resolve this issue.

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 2015-06-26
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Left multiple message at my place of employment with multiple people stating they are from the District Attorneys office. Also left messages including my name and stating they are XXXX the actual attorney looking for me.

Company response to consumer: Closed
Consumer complaint received 2016-10-25
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed a payment on a new loan by a few days. US BANK proceeded to call me at home and at work for XXXX day XXXX times a day. I paid online as soon as i realized the error i had made but they continued to call me. When I answered the call they continued with a very rude attitude even after I told them i had resolved it.

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 2015-05-28
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
US Bank removed XXXX of the benefits of their Club Carlson Premier Visa Card, for which I can book a reservation with points at XXXX XXXX properties and get XXXX night XXXX. 

US Bank refer to this benefit as : Bonus award night exclusively for card members '' '' enjoy all these benefits after paying {$75.00} annual fee. 

They did not offer any compensation for removing this benefit after I paid the {$75.00} annual fee in anticipation of receiving this benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
US BANK mishandled a possible refinance that I applied for. They never kept me informed with the process or the people involved. I would just receive emails from multiple people requesting documents. Every contact was initiated by me. The only time the loan officer called to talk to me was to get my debit card information to withdraw {$390.00} application fee. I became exhausted and frustrated with the process of not being informed, processors and officers changing. The appraisal was done and 2 weeks after I received the report I emailed the loan officer to ask why I was n't hearing anything from him and he has the nerve to say he was going to send me the report! I told him I was no longer interested in refinancing because he obviously did not know what he was doing. I do n't hear anything for 2 weeks then another unknown emails me requesting more documents! I told them the same. I cancelled. On XXXX XXXX or around I saw that my XXXX account had been debited {$500.00} by US BANK without my authorization! Now I am out {$890.00} for nothing! Please help me rectify this situation. XXXX 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 monetary relief
Consumer complaint received 2021-01-18
Company: SUNRISE CREDIT 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:
XX/XX/21 & again on XX/XX/21 Sunrise Credit Services contacted me and tried to extort money from me regarding a debit that IS NOT MINE! They said the debt is owed to XXXX XXXX XXXX at and address that I lived at for 4 months 21 YEARS AGO! 

I contacted XXXX XXXX XXXX and they compared my email address, social security number, drivers license, and phone number with this fraudulent account and CONFIRMED THAT THIS IS NOT MY DEBT! The XXXX XXXX XXXX rep also stated that " these collection agencies contact consumers in an attempt to intimidate them into paying debts they don't owe, she also said that these collection agencies don't investigate or confirm if debt is valid, they just XXXX part of the consumer 's name & choose ANYONE whose name is remotely similar and start harassing them, she also stated that this fraudulent debt will continue to be sold again and again to even more vicious collection agencies ''. 

I think this is wrong and unfair to 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 2016-04-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Car was declared a total loss. Insurance called loan ( BBVA ) to get pay off. Pay off was sent in writing to insurance company. Insurance company sent check, loan advised wrong amount and that they made a mistake in the letter. Letter states it is a guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are having issues because our mortgage was sold from XXXX to LoanCare and we are unable to get an answer from LoanCare on how to access home repair escrow funds. 

On XX/XX/XXXX we incurred a loss to our fence, not the home structure, and as XXXX does we filed a claim with our homeowner 's insurance and were issued a check to complete repairs. Because the repairs were over a certain amount our original mortgage company, XXXX, held the funds in escrow until the repairs are complete. XX/XX/XXXX/XX/XX/XXXX the mortgage was sold from XXXX to LoanCare. As of today, XX/XX/XXXX, are unable to get a straight answer from LoanCare on how to access home repair escrow funds. 

I have called multiple times and waited hours on hold to speak to an agent. Out of the XXXX agents from LoanCare that I have been able to speak to on the phone, I have received XXXX different answers on how to proceed. I have asked for a letter outlining the procedure but as of today, XX/XX/XXXX, still have not received such letter. 

Compounding this issue is that we have until XX/XX/XXXX to complete repairs or the monies will be returned to the homeowner 's insurance. At this point we are unable to continue with the repair as the remainder of the money is in escrow and I can get no clear guidance on how to proceed with the claim. 

My husband and I are responsible homeowners who pay our mortgage and maintain our home, but our family can not afford to incur the cost of having the fence repaired due to a lack of customer care and respect on the part of LoanCare Mortgage. 

Please contact me at XXXX regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage bought out my home loan. My mortgage payment is {$500.00} per month plus {$200.00} for escrow. When I called in to set up a payment to pay my mortgage on XXXX XXXX, 2016 a Carrington representative stated to me that every 30 days that if the mortgage is not paid, that the send someone to ride by the property to make sure that the property is still occupied and that this fee is {$460.00}. This unnecessary fee is like I 'm making double the payment. This can not be legal. What ever happened to late fee after 30 days. I am requesting that this matter be investigated because this company is ripping consumers off!!!! My loan number is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. You may contact me at XXXX. My name is XXXX XXXX and my husband 's name is XXXX XXXX. You may contact me at any time. Thanks! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home in XXXX XXXX, XXXX. And until XXXX XXXX, I was unable to continue paying the mortgage. I was also divorced in XXXX from my wife of more than 25 years. Then after a layoff for six months, I struggled to meet all my obligations even after I have XXXX sons who just began college. I am a XXXX veteran. 
Over the year or so, I tried to sell my home. The mortgage and other fees is currently held by XXXX XXXX XXXX for approximately {$190000.00} ( Loan # XXXX ). The current servicer -- Carrington Mortgage Services ( Account # XXXX ) -- sent me a letter in XXXX threatening foreclosure if I do n't send {$23000.00} to cure the default. I have been in communications with XXXX XXXX XXXX. Since early fall, I had been by the side of my sister who was hospitalized and took a turn for the worse, right when I was considering returning to my home to do a home modification loan to reinstate. There was no guarantee that XXXX would reinstate, but I had to stay in Connecticut anyway because as it turns, my sister passed away last month. I do not have the money to relocate and I am severely stressed at receipt of the letter to foreclose from a servicer who was just assigned to me. Right now I feel like I am in limbo, having just lost a member of my family, having no home to return ( it feels like ), and limited income. 
So I am hoping Consumer Financial Protection Bureau can help me. I was in the middle of negotiating with XXXX, and they switched points of contact by assigning the mortgage to Carrington -- who starts out with a threat. 
Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER.

Company response to consumer: Closed with explanation