BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Firstly, I 've been switched around from one mortgage company to another without any notification. That being said, I was with XXXX bank for about 7 years with an interest only loan when they switched me to Bay View Loan Servicing. While in the process of obtaining a modification, which I 'm told I must be at least 2 months late to qualify, I kept receiving calls and letters for payment for which I informed them that I was in the process of a modification by your own bank, so please stop sending letters and phone calls. This has continued for over 5 months now ; have been approved for the loan modification, for which I have made two payment already. They continue. It 's clearly a case of the left not knowing what the right is doing. One end of the bank is collecting while the other is setting up a new loan. Do n't they communicate? This situation is prevalent throughout the financial world. I can blame technology and particularly automation on this problem. Instead of becoming more productive, we are becoming less with thousands of similar problems because people are getting lazy as a result. No one looks into matter anymore thinking automation will take care of it On top of that I have a home equity line which was not considered. In addition, they are providing this information to the XXXX credit reporting companies that I am late every month on my payments, thus really ruining my credit, with no information relating to the fact that its a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free credit report online I had to answer questions about stuff that is in my file and only i should know the answer i could n't answer because the questions were about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: MO
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 have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address, inquiry, credit card and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Absolute Recovery Services, LLC
State: TN
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:
In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. 
I spoke with the agency via telephone and let them know the resolution I had reached with their client. 
The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Requesting for the block/removal of ( 2 ) fraudulent items from my credit report. Here are the details : Date of Discovery : XX/XX/2021 Account # 1 Amount ( {$20000.00} ) Account # 2 Amount ( {$3400.00} ) Actions Taken By Me : - Filed Federal Trade Commission ( FTC ) Identity Theft Report - Filed Local Municipality Police Report - Contacted both Credit Reporting Agencies in which the items were reported ( XXXX /Experian ) - Worked with XXXX to successfully remove items in XX/XX/2021 - Put in Dispute with Experian on XX/XX/2021 2021

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 2015-07-10
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that XXXX bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning XXXX Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when XXXX took over they had raised my APR ( without my knowledge XXXX to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact XXXX back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My HSBC business accounts were closed by the bank in 2013, so I personally and specifically asked them to close my personal accounts as well. Last month, I received a statement from them for an open credit card account. It had no billed amounts or balances but it showed the account still open. I 'm concerned that an open account with no activity might pose a security risk and I do not wish to take responsibility for that. Also, it could cause trouble for me if I choose to take a mortgage. Should they choose to close it, it could impact my credit at a time that I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: National Credit Systems,Inc.
State: TX
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:
National Credit Systems , Inc. continues to collect a debt that is not investigated. XXXX XXXX will not provide the following that I have repeatedly asked for : 1. Proof that they have posted a Texas Debt Collector Bond. 2. A copy of my original lease showing that I have a pet. 3. An acknowledgement signed by me at move in of damage costs to be assessed at move out. 4. A document signed by me showing damages at move out and the application of my {$400.00} deposit to the damages. XXXX XXXX at National credit systems Inc. refuses to provide these documents, all of which he says he has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I stopped at our local Huntington Bank in XXXX OH. to get information about a construction mortgage loan. They took my information and XXXX XXXX XXXX called me. I told him we currently own property that I 've corrected the drainage, cleared the trees and installed the driveway. He stated that they could not provide a loan because that 's considered preconstruction. I have done everything to what the country Building Department has wanted. I 've pulled the permits had the inspections and everything passed. So, how can a bank supercede a county building inspector? He was more concerned about my land, that I own, than modeling a loan. How is this fair? I feel discriminated against for upgrading my property. What lending laws did I break?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: Sentry Credit, Inc.
State: PA
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 got an alert today that the company SENTRY CREDIT INC is reporting a collection account on my credit file. THIS IS THE 2ND TIME THIS ACCOUNT WAS ADDED TO MY REPORT. I disputed it in XX/XX/XXXX ( original case # XXXX ) initially with the CFPB and it was removed now again in XX/XX/XXXX its reinserted. I have no knowledge of this debt and i was never given a DV or anything. This is a reinsertion of a deleted account with the same company! this is not my debt and it should be re-reporting after it was deleted

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 2017-03-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed my inaccurate XXXX item with Experian. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. Experian made no effort to investigate. Please delete this item.

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 2016-08-30
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive at least XXXX call per day at work. XXXX of my coworkers informed me that they have called them on their personal cell phones trying to force them to provide an alternate number for 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 2016-06-19
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
It looks Credit Control LLC has my name on its system as possible debtor I 'm attaching the letter I received from this debt collector. 
I 'm disputing the whole amount on it says on its letter.

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 2016-12-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow account was double charged for XX/XX/XXXX and XX/XX/XXXX XXXX and cities taxes by Bayview Loan Servicing , LLC . When they send me XXXX XXXX Report with shortage in XX/XX/XXXX, I called them to correct it, but instead of actual investigation of the problem they tried to make me believe that each payment XXXX XXXX and city from my escrow account was just XXXX of total payment due. I went to XXXX XXXX 's office and got Tax Bills for XX/XX/XXXX and XX/XX/XXXX that proofed that I was right. What is more XXXX XXXX and city taxes were paid by the company which I bought the house from, I guess, by mistake. As I 've been told at the XXXX 's office, checks from Bayview Loan Servicing were rejected and send back to the same address that they came from. I send all docs to Bayview and they finally figure out that they tried to pay taxes for my neighbor 's parcel because of wrong property legal description on XXXX deed. I bought the house in XX/XX/XXXX, and all taxes were correct until XX/XX/XXXX. The corrected legal description was recorded in XX/XX/XXXX. I faxed all proofs of it to Bayview on XX/XX/XXXX. And it is still not corrected as of today date. I spoke with all departments within the company, like customer service, escrow analysts, and customer advocacy team. They neither ca n't find money that they send to XXXX and city in XX/XX/XXXX and were returned back to them or correct my escrow account for 7 months already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Senex Services Corp.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have pulled my credit reports and there are debts listed by the collection agency Senex Services Corp. I have not received any documentation from the company notifying me of the debt or the right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My issue is an account furnished by Target this account was paid in full as a charge off and should not be currently reporting as late. I have address this issue numerous times thru letters sent and no correction has been made nor have I received a letter saying its been verified or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. 
I have no business with J.C. Christensen or any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went to apply for a loan through a credit union only to discover that I had a repossession on my credit and was denied the loan. I had never had a car loan with this company. I contacted the company and they said I was the primary signer on the account. I asked them for a copy of the signed contract and any information regarding the account. They told me they did n't have a copy of the contract and would send me the paperwork of when car was sold at auction. They did n't have an order of repossession. The account was opened over 9 years ago and closed almost 6 years ago. I have never received anything from them. I told them that this is fraud and they said to contact their fraud department. When I called the fraud department it was a voicemail recording. I left several messages for them to call me back and now been waiting a month. I called the company several times and got conflicting stories with each new person. I was told to file a police report but I do n't have any documentation to suggests fraud or identity theft either way. The finance company would n't tell me the dealership for me to contact them directly too. I would think there has to be a paper trail somewhere. The finance company TD Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN is claiming that my account is severely delinquent when it is not. They decided to put me in escrow recently, even though I have always paid my own homeowners insurance on time and in full each month, I have paid my own real estate taxes, and my mortgage payments were current. I have made multiple phone calls to OCWEN to resolve this, and each time I have spoken with someone who does not understand me ( does not speak clear English ) and is unwilling to help me with this loan. I have requested to speak to a supervisor, to which I am told I can not. My loan payments have suffered because of being charged for the escrow ( which is double my monthly mortgage payment ) and I have accrued multiple additional fees from OCWEN as a result. This happened last year as well, and I thought the issue was resolved. I am currently being told my mortgage is excessively delinquent due to the escrow and fees being charges by OCWEN. I am requested the escrow be removed from my account, so that I can go back to making these payments myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
My Capital One credit card ending in XXXX shows an available balance of {$84.00}. It was over the limit recently, but I made XXXX {$70.00} payments and had XXXX {$35.00} late fees waived. 

I can not use the card however. Capital One says it is past due and over the limit. Yet it shows {$84.00} in credit and no payment due. 

Also, I do n't understand how I only have {$84.00} in credit available, when I made {$140.00} in payments and had {$70.00} in late fees waived. 

I 've used the Capital One online chat service twice and can not get a satisfactory answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started the process of refinancing my home with TD Bank on XXXX XXXX, 2016. Due to no fault of my own, my scheduled closing has been delayed three ( 3 ) times. The following timeline will explain my disappointment with TD Bank and the need for an immediate resolution. 

XXXX XXXX - Received a generated email from XXXX XXXX ( TD Bank Processor ) stating I was conditionally approved for my refinance. 

XXXX XXXX - I left a voicemail with XXXX XXXX asking for a return call. I received no return call. 

XXXX XXXX - I received another email from XXXX XXXX requesting additional documents. My tentative closing was set for XXXX XXXX, 2016 and the rate lock confirmation set through XXXX XXXX, 2016. 

XXXX XXXX - I sent a follow up email restating the same questions I had regarding my documentation from XXXX XXXX, 2016. As of this day there has still been no verbal communication with XXXX XXXX. 

XXXX XXXX - I had my first conversation with XXXX XXXX nine ( 9 ) days after my initial voicemail. 

XXXX XXXX - I submitted all requested forms to close my refinancing. 

XXXX XXXX - I received an email from XXXX XXXX stating the TD XXXX team needs more information from my HOA. I talked to my HOA representative that day and was informed that she had made several attempts prior to XXXX XXXX, 2016 to contact XXXX XXXX based on the request XXXX XXXX sent to her. XXXX XXXX never responded to my HOA representative. Therefore, I had to take time off from work to initiate a teleconference between my HOA representative and XXXX XXXX to resolve any questions XXXX XXXX had. I later received an email that day from XXXX XXXX stating she had all the necessary information needed from my HOA representative to report back to the TD XXXX team. 

XXXX XXXX - I emailed XXXX XXXX asking what time my closing is set for on XXXX XXXX because I have received no update from her. 

XXXX XXXX - XXXX XXXX responded to my XXXX XXXX, 2016, email repeating the same exact questions that were addressed and resolved by my HOA representative from XXXX XXXX, 2016. My thoughts : Why is XXXX XXXX asking the same questions that were resolved six ( 6 ) days ago with my HOA representative. This in itself delayed the entire closing process unnecessarily and shows her incompetence. In this same email from XXXX XXXX tells me my closing date has been pushed back to XXXX XXXX, 2016. 

XXXX XXXX - I requested for the second time what is the status of my closing. She did not respond. Later that day, I sent a separate email attaching my Payoff Letter from my current lender in which she responded, " Thank you but usually I ask the title company to get this so the borrower does n't have to ''. Which leads me to believe that she completely disregarded my email from earlier in the day. 

As of XXXX XXXX 2016, TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me.

Company response to consumer: Closed with explanation