BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I received a Supplemental Property Tax Bill for fiscal year XX/XX/XXXX to XX/XX/XXXX in the amount of {$1800.00}. My first installment of {$910.00} due XX/XX/XXXX and second installment due XX/XX/XXXX. 
I did not have the money to pay the total, but did manage to pay the first installment on XXXX XXXX. Meanwhile, Freedom Mortgage paid the full {$1800.00}. The XXXX XXXX cashed both our checks, and on XX/XX/XXXX returned the overage of {$910.00} to Freedom Mortgage. 
In XX/XX/XXXX, I received a statement from Freedom Mortgage stating that, to pay off the {$910.00} which FM wound up paying, my new payment would be {$1500.00}. ( I WAS paying {$1500.00}. ) I have been paying {$1500.00} since XX/XX/XXXX. It should be paid off by this XX/XX/XXXX, and my payment should go back down to {$1500.00}, I would have assumed. 
However, today I receive a new statement from FM saying my escrow has gone up forcing a new monthly payment {$1900.00} ( from {$1500.00} ), an increase of {$370.00}. 
There was no increase in taxes, insurance, or interest. It is apparently a mismanagement of the escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Last week I applied for a capital one quicksilver credit card after receiving at least 20 advertisement mail forms stating I can get approved for their credit card. I proceeded to go online and filed, got approved immediately for XXXX and the following day they called me. They called me asking for more information, my social security card and ID and mailing address verification. They sent me a link to my email so I gave them my info. They called me the next day saying they need more information and that the mailing verification I sent was wrong but it wasnt, it was my name and address with my insurance company bill on it. I sent them a utility bill and they called back saying that was incorrect I ended up asking one of the guys I was talking to if this was a scam, he was silent for at least 20 seconds then said yes in a smiriking manner than proceeded to ask for more info I hung up. I looked up the phone number for capital one on XXXX and it gave me a different number. I spoke to a new guy and he seen my account and everything seemed normal I asked him if this was a scam he said no, I asked him to close my account I dont want this he said he did and that the confirmation will come in the mail in 7 days I asked for a email confirmation he said they cant do that. I then called all 3 credit bureaus and froze all my credit accounts! I am now wanting this CAPITAL ONE hard inquiry removed from my account knowing now that is was a scam and dont want this negatively impacting my future with my credit, thanks- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been calling and trying to setup payments I can afford since last XX/XX/XXXX. I recently had XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX and my deductible was XXXX each time, I have it setup on payments for the hospital bills and then I still have the payments of XXXX etc. When I called the first time I explained there was no way I could make XXXX payments and he said I could do a medical defer, he would send paperwork, 2 days later I still had n't received so I called back and this person said I was n't eligible for it to go fill out another setup of paper work, for the income driven. We talked for almost an hour and she took mine and my husband 's info, I did that never heard back, XX/XX/XXXX, I still had n't heard anything and my payments were passed due. I called again and she said she did n't know why they were processed and some of my loans did n't qualify and it was my understanding that this was for mine and my husbands because we both had a reference number etc, but she said no he would have to go do all the paperwork I had done and I told her the other person said he did n't. So, for me she said I need to consolidate some loans, then wait and considate others by paper, etc. I told her I have not idea what to do and I get different responses from everyone I talk to and she said do you read the emails we send and I told her I try to, but I wo n't get anything for weeks, then I will get like 10 emails in one day and they all say something different so I am at a lost. I ca n't pay XXXX a month and no matter how many papers I fill out its like I need to fill out something else or something is not right or something do n't qualify. I can never get the same answer from two different people and can never talk to the same person. 

I am doing everything I can so my loans do not go in default, because if they do I lose my job, but If I ca n't get any one answer when I call and there is always something else to do I do n't know how long I can continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Information belongs to someone else

Complaint:
The account below is reporting and do not belong to me please remover XXXX XXXX XXXX. 
Reported : XXXX XXXX, 2022 {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX. account closed as of XX/XX/XXXX. Account paid in full, closed, never late. As a consumer i demand this account be delated from my record. Per FCRA and CFPB rules consumer demands this account be deleted from record since it as met 7yr requirement. Since this account is not connected to bankruptcy there's no need to meet 10yr requirement. 
XXXX XXXX. Account paid in full, never late/closed. Account closed XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy.

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 2022-07-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is identity theft. I never had a credit card or applied for one. Asset Acceptance LLC plaintiff XXXX Case XXXX XXXX Total amount due $ XXXX XXXX Clerk in XXXX XXXX XXXX Please notify Asset Acceptance LLC this is identity theft. The are requesting that I file this with you and send them a fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: LA
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 Account # XXXX has violet my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a. account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Diversified Adjustment Services Inc. attempted to call and collect a charged-off debt from XXXX. I requested that they cease from calling me as this debt has been disputed with previous collection agencies and XXXX failed to respond to those disputes request. I asked the representative from Diversified Adjustment to remove my number from the calling list and to not call me again. He then became very rude and said that they were going to get there money. They then stated that the bill was not going to go away even though I disputed this with XXXX and they did not respond. I made a second request for the collection agency not to call me and he then stated that a verbal request to not call me was not good enough. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2016-05-02
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an issue with US Bank adding my wife name to my checking and savings accounts with either of us requesting this. We XXXX prefer to keep our financial lives separate. We made numerous attempts to have this correct, over a period of about 1 year, but with no success. Eventually I went to the XXXX as a last resort, which led to US Bancorp admitting that they made a mistake, and correcting it. As I had been promised resolution on a previous occasion, and it had n't materialized, I told US Bancorp that I wanted to wait until I received my next statement to confirm that the address error had been corrected. However, US Bancorp were in a great hurry to have the case confirmed as resolved with the XXXX. So they sent both the the XXXX and myself electronic and paper copies of my most recent bank statements, which of course included a great deal of personal information including balances, transactions, credit card information, health insurance provider, etc. At no time did I give US Bancorp permission to share this detailed personal information with a third party. I therefore wrote to US Bancorp, informing them that I was very unhappy with the way they had treated my confidential, personal information. Their written response was completely unapologetic. I would like both an apology, and a reassurance that US Bancorp will never again share my personal financial information with a third party without my permission, unless they are legally obliged to do so. I would also like a reassurance that they will not treat other customers in this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Southwest Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Recovery Services at XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know owe this company any past due amount of any kind. The company does not have a contract with my signature. I also have email providing proof that account was closed back in XXXX of 2021 and no amount of any kind is owed to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I received a personal loan from XXXX. Right after COVID hit and I lost everything. In XXXX I began to recover and tried contacting the company and they said they did not have an account under my name but had sold my account to a debt collector called Ad Astra Recovery Services. For 2 years I have tried to pay this off but all I get is no such account, on hold for hours, no answer, or you have to call XXXX/Ad Astra-in other words finger pointing. Now they have blocked me from being able to make any type of payment except money order which I am not gon na do because I have been burned way too many time and the mail carriers are extremely undependable. The finger pointing has begun anew in who is responsible and who can unblock my payment status. The {$500.00} is now {$940.00} because of the shady tactics and false promises by both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX to accurately verify the debt.I asked for the following to be provided within 30 days : * Current Balance *Date debt was transferred from original creditor *The current balance of the what the debt was bought for *Copy of contract I signed with the 3rd party *Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond informtion as required by Sec.392.101 I have allowed 30 days for this to be completed and there has not been a response from the debt collector. There is proof the agency received the letter on XX/XX/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 2022-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I entered an online bill payment using my USAA checking account. The check cleared but the payee said they did not receive the funds. I contacted USAA and I have spent several HOURS on 4 different calls trying to get help. Their first resolution was to put a stop payment, but I explained the check had already cleared my account ( the lack of training of USAA personnel is appalling ). Finally I got someone to file a dispute form on XX/XX/27, and was told I would be notified within 3-5 days. On the 6th day, I called to try and find out what the status of my dispute was, and I was told that I was " min-informed '' ; that it would be 10 days ( even though my 1st call to USAA was on XX/XX/XXXX ) - apparently nothing was done as a result of that 2.5 hour call. This should be a simple process of returning the check as a late return for forged endorsement to XXXX ( it is clearly stamped on the back of my cleared check ) and then crediting my account with the stolen funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I bought a vehicle and got an auto loan through fifth third bank. I put insurance on the vehicle the day that I bought it and had the proof of insurance faxed to fifth third bank. A month or two later I started getting calls that I owed over XXXX in insurance that fifth third put on our vehicle. They claimed that they never recieved our proof of insurance and needed it sent again. So i complied and sent it again. I made my regular vehicle payment as i always do. A week later I started getting about 12 calls a day from all different collection centers for fifth third. They said that we owed XXXX dollars because my payments had doubled and I had only made my normal payment. The payments which were exactly double now were because of their added insurance. I asked why and they said they still had not recieved my proof of insurance so I asked how I could get it to them and have my payments back to normal. They said I could fax it again and they promised to personally call me back. I made the mistake of believing them and never got a call back. The insurance never got taken off and I was back to square one. I stopped by my local branch and they said there was nothing to do. So i went to my insurance agent and she helped me fax it over again and keep an insurance service center on the phone so we could hear them verbally say when it came through the fax machine. The employee claimed that all would be normal since they had recieve proof. But I continued to get calls to my work and my cell phone. So I got a fifth third supervisor on the phone after holding for 30 minutes. She says it will be resolved but I am now skeptical as you can imagine. I have cried multiple times over this matter. I have spent countless hours on the phone. My credit is damaged. And for what? I have done nothing wrong. It has been the most stressful month of my life and it feels like I am being harassed. I am writing this as a final hope. I have done everything I 'm supposed to and I 'm being punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2017, I cancelled a gym membership with " XXXX XXXX ''. ( XXXX XXXX XXXX XXXX, XXXX, RI XXXX ) The terms of my agreement allowed me to cancel my membership if moving outside an area covered by an XXXX XXXX  franchise location. Two years after cancelling my membership, I'm receiving debt collection messages from TWO different debt collection firms. I responded to the first debt collection firm and they stated they would follow up with information validating the debt. They never did. I'm now receiving debt collection mail from another firm. ( More than one year later from my cancellation date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from in XXXX of 2019 alleging a balance owed to in the amount of {$910.00}. I subsequently responded by disputing ownership and requesting verification as well as validation of the debt. On XX/XX/2019, I receive a letter dated XX/XX/2019 enclosed with an alleged verification of the debt obtained from the alleged current creditor, XXXX XXXX XXXX. 

The Statement of Account provided, which I have attached for additional reference, provides NO information as to who the current creditor is, has no letterhead or company information, what their contact information is, what agreement I made to pay their offices, what services I allegedly received, when the original notice to pay was provided to me, etc. 

On XX/XX/2019, a collection account owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$910.00} was reported to the credit reporting agencies. 

At no time have I EVER received a bill or statement from any company named XXXX XXXX XXXX XXXX, nor have I received a bill statement or intent to collect any balances owed from XXXX XXXX, XXXX. Further, the response to my demand for verification and validation showed NO proof that XXXX XXXX XXXX XXXX XXXX owns the debt or that they have been assigned the debt by the original creditor. The letter shows NO verification that I owe the debt, nor does it include the valid documentation from original creditor. It is a violation to simply send a printout of the amount owed. 

Please remove the account from my credit reports immediately, provide original proof of notices provided to me from the original creditor, notices that the original creditor intended to send my alleged account to collection, notices from the current owner of the account providing me with the opportunity to dispute the alleged debt and all original contracts between the creditors and myself showing agreement to pay for any services rendered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.

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