BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i recieved mail from a debt collection company trying to collect a debt of behalf of XXXX XXXX. This is a direct violation of my federal rights. 

U.S.C. 1692 states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I 've been a happy customer with my ARM home loan I received with ING XXXX Bank in 2008. They have since been purchased by Capital One/ XXXX. I recently took the bank up on an offer that after I accepted and they implemented it I found it deceitful. They showed me for XXXX mortgage payment cost I could lock in my loan at a slightly lower then my current rate for 5 years. They hid the fact that the offer would shorten the amortization period of my loan by 8 years. I though I was locking in my mortgage rate for 5 years for a slightly lower overall payment. What I got was the the lock in, but the shortened term increase my payment by almost XXXX dollars a month. 

In the proposal they compared my current PI+Escrow payment to my new PI ( only ) payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Data Mortgage Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX XXXX, Essex Mortgage, Loan # XXXX, I am writing on behalf of my mother XXXX XXXX I handle all of her affairs. The property XXXX XXXX was acquired on XX/XX/2021, with a mortgage amount of {$1300.00}. I have been making the payments before the due date since purchasing the home. In XX/XX/2021, we received a letter from Essex Mortgage stating that they could not reach the insurance company that we used to purchase the home the letter informed us that if they did not receive the information they would purchase a second homeowner 's insurance policy if they did not receive it. I reached out to the same company they could not reach on XX/XX/2021 ( I have email proof ), and was emailed the entire insurance packet. Their letter stated to upload the documents to their insurance website which I did. I also spoke to someone regarding the situation. A few months later I was going through the escrow account and saw where they decided to take my money and purchase second insurance because they didn't have the time to verify it so they decided to put her in financial hardship. Once I noticed this I immediately got on the phone and called them. I spent 1 hour of my work time trying to do their job and get in contact with the insurance company which we did, and which brings us to another issue from the decision they decided to make. My mortgage for the month of XXXX is {$1800.00} which I found out by trying to make my regular payment of XXXX which I can afford to pay. I called them again today, and I was told the refund from the insurance payment came in late which is affecting XXXX 's payment. I asked them to correct the payment because we should not be having this issue in the first place had everyone done their job. I do mines by sending on-time monthly payments it's their job to disburse the funds correctly and timely. They want me to make a payment I do not owe to them and should not owe them. They owe me for the year headache I have had with them. This is not my first mortgage I had one for 19 years prior to this. I'm asking them tofix my payment accordingly so that I wont be late or end up in foreclosure do to know fault of my own, please not that I have the regular payment today of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The mailing address information was changed on my account without my request. I contacted customer service several times and was advised that they received a power of attorney to change my mailing address. I spoke to a supervisor and requested a copy of the power of attorney letter they received and was told it would be mailed to me, however, I just received a letter without the proof that was used to change the address. Everyone including the supervisor is saying the same but they have not provided me with any documentation they received. I feel that some fraud is going on and this is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE ATTEMPTED TO HAVE A COLLECTION ACCOUNT REMOVED FROM MY CREDIT.I CONTACTED ALL PARTIES INVOLVED TO DISPUTE THIS. XXXX REMOVED IT BUT THE OTHER XXXX DID NOT. THE ACCOUNT IS NOT MINE. I WAS WORKING XXXX, ALSO D.O.B. DOES NOT MATCH. THIS IS NEGATIVE ON MY CREDIT AND IS CREATING AN ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the balance on my card on XX/XX/2022. Since then I have been charged a {$1.00} " minimum interest '' fee which I did not know about and assumed my balance was XXXX. Because of this I then received several late fees of {$16.00}. Which adds up to quite a sum. I have now cancelled my card but still would like to report this predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: Mercedes Benz Financial Services
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On or about XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dealer # XXXX a representative of Mercedes-Benz was assigned to extend credit to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, took willful and knowing adverse action on XX/XX/2022 denying me the RIGHT ( credit ) by not making available my consumer credit under my open-end consumer credit plan available to me for personal use to purchase a XXXX XXXXXXXX Stock No XXXX as advertised. I provided the President of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and Business Manager, XXXX XXXX the requirements and procedures under the Federal Laws of Truth In Lending and Equal Credit Opportunity Act under 12 CFR part 1002.2 and 12 CFR part 1026. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ignored the opportunity to remedy the adverse action which they are in willful and knowing violation by denying me my right pursuant to 12 CFR part 1002.2 ( c ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their employees, agents, successors or assigns have ignored all of my notices regarding this consumer credit transaction. I will move forward to Arbitrate by the Federal Arbitration Act under 12 CFR part 1040 if they continue to discriminate against me. Please see attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
this bank is taking my home to sale this bank will not give me a Loan Modification so now this bank is taking my home to sale

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 2022-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Bank of America credit card that was reported lost/ stolen sometime in XXXX. The original account was closed and replace with a new one at time which the representative assured me no further charges would go through the old card. To my surprise, on XX/XX/XXXX, a charge of {$540.00} was put through my old card by XXXX XXXX XXXX. I tried to contact the merchant multiple times but their system doesn't show any record of the purchase nor anyway to cancel the purchase. I contacted Bank of America the next day trying to close my account completely, but the representative, XXXX from Maine, reassured me multiple times that this " pending charge '' from XXXX would not go through. As a result, I believed her and did not close my account. A week later, on XXXX, a discovered that the charge has gone through and I have been lied to. So my question for Bank of America is : how did a purchase gone through a closed account? Why this wasn't flagged as potential fraud. I think this is a potential violation of Electronic Fund Transfer Act and Regulation E. CFPB took action against another bank in XXXX for similar reasons that closed accounts were reopened without explicit authorization from the client, allowing recurring charges to go through ( regardless whether they were fraudulent ). I ask the CFPB to investigate BofA 's practices and take similar 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 monetary relief
Consumer complaint received 2021-01-02
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, On XX/XX/XXXX I requested a monthly contract on my vehicle payment. The finance company CNAC asked me to provide my new insurance card by XXXX on that day and they would issue a new contract stating that my payments would be moved to a monthly frequency instead of bi-weekly. This arrangement was discussed over the phone with Account XXXX XXXX XXXX. XXXX, after receiving my renewed insurance card for the vehicle emailed a new contract via docusign for me to agree to the terms and provide a signature for my new monthly contract of {$430.00} Since then, CNAC have not changed my terms in the website portal and continue to state that I have a late payment due. I have never been late on any car payments. They never changed my due date in their system. I have received calls of harrassment and on Saturday, XX/XX/XXXX, I received a letter from CNAC threatening they would pursue actions to possess my vehicle. 

I need legal help in this matter. I have a signed contract as of XX/XX/XXXX from the Account XXXX XXXX XXXX stating that my new first payment date is XX/XX/XXXX. This company have harrassed me every day for a week now asking about a payment. At this point it is a breach of contract. And I need EQUITABLE RELIEF. 

Please assist asap! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SLS will not provide me with online statements so that I can see where the numerous fees they attached to my mortgage payment are being applied. Initially they stated it was because my mortgage was behind ; however I have since caught it up. They continue to increase my monthly payment and with me not having access to documents online I feel I am being taken advantage of currently. Not to mention how many late fees they were able to charge me for months.

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 2022-06-03
Company: West Coast Servicing, Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Someone took out a fraudulent loan against my property in XXXX of XXXX {$5400.00}. The loan was never repaid so a lien was placed against my property. The original company XXXX XXXX has gone out of business. Since then West Coast has picked up the debt attaching their name on to my title. I addressed this years ago during the purchase of my home. At the time, the 3 credit bureaus removed this from my credit. I thought this was resolved, until i placed the home for sale. The closing attorney notified me. I have been in contact with XXXX asking for documents. The only thing they sent was the demand letters, and the contract from XXXX that was singed fraudulently. All but one of the documents provided where mailed to XXXX XXXX XXXX, which I moved from in XXXX. They know that I am in the process of selling the property so they have requested a payment of {$26000.00}. I offered them {$3000.00} just to move on with the sale of my property. XXXX is not trying to work with me. I have filed a police report as they instructed. Now they are asking for me to share with them my HUD closing documents. I feel i am being exploited. I have spoken with so many different agencies regarding this. Everyone is giving me the same advice, " This should be removed '', but no one is enforcing it. My home sale is due to close on XX/XX/XXXX. I can not move forward with this pending. PLEASE HELP ME. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: EMBRACE HOME LOANS
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have applied for a home loan through Embrace Home Loans in XXXX 2015. I was pre-approved and went through the process of finding a house. After finding a home and having the owner file for bankruptcy in XXXX, I was on the search again. I found a home for sale by owner. So I spoke with my loan officer, XXXX XXXX, and told him that the owner was fine with me moving in with a deposit and she can wait till XXXX to sell the property to me so I could get a XXXX % financing loan. I sent him an email XXXX XXXX, trying to get him to start the loan so we could hopefully close by XX/XX/XXXX, like the owner of the home wanted. I recently found out he did not start on the loan until XX/XX/XXXX. 
Every few days I send him an email or text asking how things are. He has told me several times that everything would be closed on time. Until it got to XX/XX/XXXX, then he promised it would be finished by XX/XX/XXXX. Now here we are, XX/XX/XXXX, with still no set closing date. 
I made an agreement with the owner of the property that I would have to pay {$40.00} per day that the loan goes past the closing date in XX/XX/XXXX. This Chip knew, but still he does not seem to know what he is doing even though he is the branch manager. I could understand this taking one month or even two. But we are into month 4. To me this is ridiculous and I have no idea what else I can do to get him to move things along. 
I am a single mother with XXXX children. I am very lucky that I can even afford a home like this but this is causing unneeded XXXX to not only me, but my XXXX-year-old daughter who is worried that we will not have a home if this is n't finished quickly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}

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 2020-08-19
Company: Experian Information Solutions Inc.
State: TX
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:
Good morning CFPB, I have attached a report, that can be open, to dispute items that are appearing on my credit report with Experian that are either not mine or are inaccurate. 
Experian is claiming they can not open the attached file and is instead sending me a mailed report so start a new complaint with that report. 
There is no need to do that because I have the most recent report, I have already specified which items I am disputing, and the complaint has already been assembly. 
Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a reason such as the one given to me on my closed CFPB complaints numbers XXXX and XXXX submitted on XX/XX/2020. 
Experian is not be properly being regulated to ensure consumer protection, since that have such a brazen response on consumer complaints. 
Please help. 
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 2022-06-03
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: Account information incorrect

Complaint:
Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a loan modification threw SLS loan services. And I am having nothing but trouble, they have included taxes that I have paid into my escrow account. I have sent in receipts showing these taxes paid and no one does anything exept threathen me with foreclosure. I am behind stressed out and I honestly do not what to do.

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 2017-03-16
Company: Convergent Resources, Inc.
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:
Received one phone call and one letter from Convergent Outsourcing , Inc, claiming to be a collection agency on behalf of XXXX, a cable company, seeking to collect a balance owed. 

I have never done business with XXXX, and a visit to their website shows they do not even offer service in my area. 

I will be sending a Request for Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, but all communications stink of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. CMRE did not report the deletion of the account to XXXX, the other consumer reporting agency that it reported the account to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in the event legal action is warranted.

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