BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-04
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Amerihome Mortgage used our escrow money and paid someone elses XX/XX/XXXX property taxes. We discovered this at XX/XX/XXXX. I contacted them XX/XX/XXXX and received an email address from a Customer Service Rep named XXXX to send a copy of my tax bill to them. I sent it on XX/XX/XXXX and received a response from XXXX XXXX XX/XX/XXXX stating they were forwarding it to their tax department for investigation. I never received any other follow up from them. We 're trying to re-finance our mortgage and discovered the tax issue has still not been resoled as of the writing of this letter. I have spoken with 5 supervisors between XX/XX/XXXX thru XX/XX/XXXX. I have requested a return call from Management and advised each Supervisor was requesting the call back and have not received one call back except from a Customer Service representative. 
I have also been told no one from Amerihome Mortgage can contact the third party vendor they use to pay the tax bills. This is completely unacceptable behavior and I am extremely upset that we have a tax bill that is 3 months delinquent in our name. 
I have been told twice their resolution date is XX/XX/XXXX and I have advised this is unacceptable to us as we pay our mortgage and escrow timely and expect them to correct this in a reasonable amount of time which 23 days is not. Their Supervisor XXXX verified with the County on XX/XX/XXXX that the bill has not been paid and that the account number Amerihome paid is indeed for another piece of property/home and another person unrelated to me and my husband and our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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: Was not notified of investigation status or results

Complaint:
I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.

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 2016-10-31
Company: Mountain West Legal Solutions, PLLC
State: OR
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 was contacted in XXXX 2015 by Mountain West Legal pertaining to a debt that was owed on Oregon case number XXXX This case was taken over from XXXX XXXX XXXX XXXX. I revived court documents from Mountain West Legal from the XXXX XXXX Courts advising they had taken over the case. 

I spoke with a XXXX XXXX XXXX from the company and came to a resolution of making payments of {$270.00} a month starting on XXXX XXXX 2015. Payments were made by automatically being withdrawn from my account. Payments were debited through XXXX 2015 then stopped. 

I attempted phone contact with Mountain West Legal but was unable to connect to any of the numbers given. I was advised the numbers had been disconnected. I then sent an email to XXXXXXXXXXXX ( The XXXX XXXX XXXX I had spoken with via email in XXXX ) and received no response. I attempted to call numerous more times with no luck. 

At this point I thought the debt and issues were handled. 

I am attempting to purchase a house and have found that the judgment against me XXXX is still listed as " Unsatisfied ''. I have searched the internet for contact information and have still not found any that allows me to contact this company.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I checked my credit report and noticed that I have a new credit inquiry from XXXX as of XX/XX/XXXX. I have been a customer of XXXX since XX/XX/XXXX. I did not authorize an inquiry and I suspect attempted ID theft.

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 2017-04-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted several disputes with Equifax asking for validation ( copy of original document with my signature on it ) of collection accounts reporting on my credit report. The XXXX accounts reporting are from XXXX and they have not submitted adequate validation, they just sent me what appears to be a screen shot of a bill that does not belong to me in both cases. Equifax has just said that the accounts were verified without telling me how they were verified and have failed to show me any proof of validation ( copy of original document with my signature on it ) after I have asked on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
Opened a credit card account with Barclays Gold Card account. I am in the XXXX and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX service. 

Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX prior to the opening of the account. This is false as Barclays knew my XXXX start date proceeded the account origination date as evidenced by the attached letters. 

The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. 

I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.

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 2022-04-18
Company: EQUIFAX, INC.
State: MO
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:
In Accordance with the Fair Credit reporting act ... XXXX XXXX XXXX acc # XXXX has violated my rights under 15USC 1681section 602a. the law states i have the right to privacy. and 15USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. 


XXXX XXXX XXXX acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
XXXX XXXX XXXX has been reporting to Experian through XXXX for over 10 years. Recently we realized that XXXX had gone out of business and none of the information we were reporting was appearing on Experian. Furthermore Experian deleted all the information we had ever reported through XXXX without either company informing us. We have been dealing with the manager at Experian, XXXX XXXX, and the supervisor, XXXX XXXX for two and a half months now without any solution. We were denied being able to report to them directly yet we are still being charged to be able to purchase credit reports from them even though at this time we know they are not accurate because valuable information from our company has been deleted. Over ten years worth of information is missing for our customers. Experian refuses to reinstate the information.

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 2016-03-02
Company: First Recovery Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First Recovery robo-dials my home 1-3 times per day and has done so for the past month. They are trying to collect a debt for a " XXXX XXXX ''. We are XXXX XXXX and XXXX XXXX XXXX. The person they are looking for has never lived in our home or had our telephone number. We have had our telephone number for over 20 years and we are the original owners of our home ( over 15 years ). 

The robo-dial message says to hang up if you are not the person they are trying to locate. This is useless as it does not stop the calls. I pressed 0, to speak to a human and advised said human that we are not who they are looking for and to stop calling us. 2 days ago the company representative said she was removing our telephone number from the account. That was a lie, as yesterday we received more calls. Said representative also advised us to " go ahead and sue ''. 

Our question is how to we get this company to stop harassing us with their robo-dialed calls, what recourse do we have and can a government agency make them stop?

Company response to consumer: Untimely response
Consumer complaint received 2016-01-28
Company: First Recovery Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They have called several times, saying they were collectors for a payday loan with XXXX XXXX XXXX XXXX XXXX, and then with a company in XXXX XXXX 's " group ''. They threaten to sue, etc. Our client filed Bankruptcy ( chapter XXXX ) and got his discharge, so we called the phone number and told them, they said they would remove the claim. Then they started calling him again. The attorney called and as soon as he said he was the attorney, they hung up on him, he called back, they put him on hold, and hung up on him. We have talked to XXXX XXXX and they say it is not anyone from their collections department or anyone they have hired to handle their debt collections. 
XXXX First Recovery XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Person that I was paying was using a false account, desired amount for {$20.00} and then recipient lost contact with me. I believe that the account was fake and used it to recieve money from me. Money was transferred via Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: PHOENIX EQUITY PARTNERS LLC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from XXXX XXXX XXXX from Phoenix Equity. While on the phone he repeatedly claimed I owed a debt on a credit card. He would not tell me what the card was or when it was from until I pressed him. He said it was a capital XXXX card from 2004. When I stated that I could not accept a debt that old or even knew if it was legitimate he stated, " This amount ( XXXX is his claim ) is a fraudulent amount and we can prosecute and put you in jail for up to a year. '' I stated I knew my rights and he could not threaten to sue me. He stated, " Of course you do, you are a fraudulent person. '' The name he gave was XXXX XXXX and he gave me his phone number as XXXX ext XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions 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:
THE LISTED ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE ACCOUNTS NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification on an adjustable rate mortgage in XX/XX/XXXX due to getting injured on my job and having a curtailment of income. I 've been compliant to the all of the request made by SPS and I 've received seven letters stating that all of the documents have been received and are perfected and that SPS will send the file to an underwriter for review. The underwriters are n't reviewing the documents that are being sent and requesting the same documents again. On XX/XX/XXXX SPS requested clarification on paycheck stubs to determine if I get paid every two weeks or twice a month ( Hence, 24x a year or 26x a year ). A letter explaining that the pay period is every two weeks was sent on XX/XX/XXXX. Upon calling SPS on XX/XX/XXXX, I was told that they received clarification and all the documents were in to continue the review. On XX/XX/XXXX I called SPS for a status update and they informed me that they needed a letter regarding clarification of the frequency of pay. I advised that I already sent that letter and they told me that they just wanted a verbal explanation. I verbally told them that the frequency of pay was every 2 weeks. On XX/XX/XXXX, I called SPS and they explained that all docs are in and nothing else is needed to continue the review. On XX/XX/XXXX I called SPS for a status update and they advised they needed clarification of the frequency of paystubs. I explained to them that we already verbally told them and wrote a letter. SPS said " O.K. '' and continued the review. On XX/XX/XXXX, they advised me that they just received internal clarification on XXXX that the frequency of paystubs is every 2 weeks. However, they needed more bank statements to verify the frequency of pay. This tactic has been going on since the inception of the loan modification process began. The single point of contact XXXX XXXX never answers or calls me back and I speak to different reps every time I call in that ask for the same documents that we sent in and verified that SPS received them. SPS single point of contact and underwriting team are not reviewing the documents that we send in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Mobiloans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a mail from Mobiloans that I was prequalified for {$1000.00} loan. I applied for the loan and was charged {$100.00} which brought the loan to the total amount of {$1100.00}. I was never told that I will be paying {$95.00} financial in each billing circle. my payments are schedule bi-weekly some times in the amount of {$150.00} or {$140.00}. All I thought the {$100.00} added to the original loan was fixed but not knowing {$95.00} will be added in every billing circle.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I settled through short sale my first mortgage ( # XXXX ) and second mortgage ( # XXXX ) with Bank of America ( supporting documents are attached ). 
However, Bank of America forwarded my second mortgage to a collection agency called XXXX Mortgage. On XX/XX/XXXX, I sent XXXX a certified letter letting them know that they were collecting on a settled debt ; however, XXXX continues to harass me with letters and has reported me delinquent to all credit reporting agencies. Bank of America needs to update their records regarding my loan and notify XXXX that I have no outstanding payments or delinquent since this debt was settled with Bank of America on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XX/XX/2017 I visited XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Before treatment began, they offered to run my credit to see how much I would be eligible for if I needed credit to cover any costs. They told me I was eligible for a {$5000.00} line of credit to be used towards any work needed. I received some minor work from them that I paid out of pocket for ( {$390.00} ). I told them I was not interested in using their line of credit and had no need for it. Approximately one week after this visit, I received a CareCredit card in the mail with a line of credit of {$5000.00} that can be used at XXXX XXXX and other affiliates. The card is unsolicited, but appears on my credit report. I called the issuing bank ( XXXX, Florida ) and they said they would conduct a fraud investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Issue above is incorrect, I had to put something in. Sorry about that. 

The following attached disputes thru XXXX were all incorrect. They still say they are open and they are past due by 120 days, when the Past Due Amount is {$0.00}. The original paperwork pulled by my lender states I had XXXX 90+ delinquencies dated XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX and had XXXX 90+ delinquencies. XXXX of them were reported by your company. They have also duplicated you on my credit report and will not remove it. They are convinced that it is your responsibility to do so. On XX/XX/XXXX and XX/XX/XXXX they removed your information from my credit report and on XX/XX/XXXX they added it back. This falls under the FCRA and I have asked them to remove your negative information from my report and ensure it remains removed. I have also sent you 2 emails to Portfolio Recovery to try and correct the problem, but with no avail. 
I am trying to purchase a home and this is hurting my credit and my health. I have explained this over the phone to the disputes department. I believe that the information is incorrect on the past due amounts for the following reasons : 1. There are no past due amounts on the credit file. I highlighted the info in yellow on the attached documents. 
2. According to the credit report from ( XXXX ), every month I made a payment, the past due amount went down by {$51.00} dollars ( see the amount past due from XXXX File on XXXX ). 

Amount Past Due Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} {$1000.00} {$960.00} {$910.00} {$850.00} {$800.00} {$750.00} {$700.00} XX/XX/XXXX {$650.00} {$600.00} {$550.00} {$500.00} {$450.00} {$400.00} {$350.00} {$300.00} {$250.00} {$200.00} {$150.00} {$100.00} XX/XX/XXXX 3. Also, the date of the 1st delinquency was XX/XX/XXXX but was n't reported until XX/XX/XXXX. 
4. If the account was XXXX XXXX 's and I was late with them, how could you report that I was late with you when I did not miss a payment? If that part is correct, please explain it to me! 

I am also attaching a page from each one of the reports I have mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Other

Complaint:
I received a copy of my XXXX consumer credit file ( Comenity Bank/XXXX ) is falsely reporting this account to my consumer file. This is NOT, my account ( XXXX ). 
All supporting documentation will be faxed. The information provided in this complaint is for the sole purpose of filing this complaint with the CFPB. And, is NOT to be used otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I noticed an unrecognized and unauthorized transaction on my credit card. 
Since I am a busy person, I have not noticed this suspicious transaction up until my accountant asked me about it when he reviewed my statements before the tax season. 
I feel really bad since I contacted the bank twice and both times they rejected my claim without providing me any proof that it was me that actually made those transaction. 
I would like to get all the details on why the bank decided to reject my claim. 
It does not make any sense that i will lose over {$5000.00} without getting any answers.

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