BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BARCLAYS BANK DELAWARE The first time I've ever heard of Barclays Bank when they sent me a billing statement with a balance for around {$1400.00}. I called them soon after and told them that this is not opened and was fraudulently opened and I had no knowledge of the company or the account. Then they still put it on my credit report as a charge off. I don't know how to prove that I didn't open an account with them, every account that I have opened are always paid on time and never late.

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 2020-03-03
Company: EQUIFAX, INC.
State: OR
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:
Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX  company.

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from IC SYSTEMS. I had previously disputed this account. I have never done business with IC SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that IC SYSTEMS Provide verification of the fol lowing : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemizat ion of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEMSCease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-09-30
Company: Experian Information Solutions Inc.
State: WA
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 am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.

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 2022-02-27
Company: Genesis FS Card Services, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX milestone card fee changed from {$25.00} to {$40.00} I complained and stated stop card, So they removed interest fee. So XXXX I requested a new card and they never sent one but demanded payment. I filed complaint with XXXXXXXX XXXX XXXXXXXX. And they claimed I don't request new card. But the conversation was recorded and now they say I owe {$80.00} but I don't have s card and I don't have a card number. Do I close the account are pay for a card they refuse to send?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Kriya Capital, LLC
State: TN
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:
On XX/XX/2020, I sent a letter certified mail receipt return to Credence Resource Management after receiving my credit report. They are reporting I owe for a debt that I have no knowledge of. I never received any mail from Credence prior to reporting this information on my credit report. After thoroughly investigating, I found Credence not to have a license to collect debt in the State of  Tennessee. I found this information on The Tennessee Department of Commerce & Insurance and spoke with a representative with the State of Tennessee who confirmed the information was correct and accurate. I took a screen shot and included it in the letter I sent certified mail receipt return to Credence. I informed them that they are illegally trying to collect on a debt in the State of Tennessee because they are not licensed in the state. I asked them to immediately remove the item from my credit report and cease attempting to collect on the debt. 

Credence response was the creditor verified that the charges on the account was valid without providing validity of the debt. They failed to address the fact that they are not licensed in the State of  Tennessee and they continue to report the unverified information on my credit report. It is damaging and a defamation of character. I informed them in my initial letter that I would file a complaint with the CFPB, the Attorney General 's Office, and the XXXX depending on their response and the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient was sold my loans from XXXX XXXX about a year or so ago. These loans have been based off a credit score XXXX2006. I graduated XXXX in 2006. They do not offer any programs to help me lower my rate. The only program they have is based off my income and XXXX of my co-signers income. The only way I would be able to get relief is if i decide to not pay them for XXXX4 months, destroy my credit and then finally get some help. They are variable rate loans, and with prime rate going up again the rate/payment will continue to increase and there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX I took a loan for {$8000.00} from XXXX XXXX to cover the remainder of my college tuition that my federal aid and family contribution did not cover. At some point the servicer changed to Navient. Over the course of time I was unemployed in XXXX once and could not afford to make payments on my account. I recall calling customer service and asking for a forbearance and I was told that it was not a federal loan and therefore I did not qualify. That I could pay {$50.00} to apply for a partial forbearance and I could just make payments towards the interest or something. I was worried about all of this impacting my credit score so I agreed to do whatever was necessary to keep the account in good standing. Over the years the loan literally doubled. The balance is now over {$16000.00} as of XXXX and I have been making a payment of {$200.00} for as long as I can remember each month. I called customer service some time again to ask why my loan had gone up so much and the answer was unclear and confusing. At this point I calculated what I would be paying for the {$8000.00} I borrowed as a college student by the estimated loan payoff ( XXXX ) and it 's close to {$75000.00}. The customer service reps have not been helpful over the years explaining my concerns or answering questions I have. They have not offered much help towards making my payment more affordable or how to get a handle of paying off this loan affordably and in a reasonable time frame. Please offer any suggestions and or help you can. I feel quite helpless and frustrated and regret ever taking out a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Friday XXXX XXXX my identity was stolen my bank account information my debit card information my social security number birth certificate was stolen as well. I contacted police made a police report to .I also contacted my bank bank of America on Saturday XXXX XXXX I went in to banking center to close my account as well the bank gave me the money back then they took it back stating it 's not fraud I have a police report to prove it 's fraud which I fax to the bank bank of America is not trying to help me at all I 'm being treated like the criminal instead of the victim since banking with bank of America I have been a victim of fraud on several occasions my information has been stolen in the past from using public library computers please help me I will mail you the police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I used XXXXXXXX XXXX XXXXXXXX to refinance my home. The process began in XXXX of 2020 and the final payment to Dovenmuehle mortgage was made on XX/XX/2020. On or around the time of payoff to Dovenmuehle, Dovenmuehle attempted to sell my loan to XXXX. XXXX realized I had just payed it off so the loan transfer was never completed. XXXX XXXX XXXX  and the Title company used informed me I would be receiving a check for just under {$11000.00} ( representing the escrow money from the sale ). XXXX came and went, and beginning of XXXX I called Dovenmuehle " Where is my escrow money '' - they told me " XXXX has it ''. I call XXXX " We never went through with purchasing your loan, why would we have your escrow money? '' I call Dovenmuehle - ( bear in mind now a total of 22 times ), getting different answers, dodge and minimize, let me transfer you to a supervisor - the transfer you to a supervisor routine sent my call into a call completion survey asking how the service was about 8 of these 22 calls ). I was told around XX/XX/XXXX " Oh look, we've found your escrow money '' - you'll get in a few business days. Nothing. I called a week later " where is my money ''. They say " we see it in the account, hmmmm, let me transfer you to a supervisor '' ( only to get cut off once again ). The next time I finally get through I'm told " we cut the check on the XXXX of XXXX but it hasn't been mailed '' - I ask " Can you send it overnight, I'm unable to pay bills and need that money '' - they said yes. It is now XX/XX/XXXX. Yesterday I made 3 calls, the first two got dropped in transfer to a supervisor, the final call asked the front line called " please please ask a supervisor to call me, you are unable to effectively transfer me and I need this money ''. She took down my name, number and old loan number. NO CALL. I call today, they tell me " it looks like the check was mailed yesterday, I can't tell if it was overnight or snail mail maam, I'm sorry you will just need to be patient ''. Dovenmuehle has such a  scarcity of customer service it's astonishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Commonwealth Financial Systems, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The company of " common wealth '' phone number ( XXXX ) XXXX, stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this, he stated that the debt collection has been reopened and that I would be taken to XXXX courthouse. There is no courthouse in XXXX. He told me I had XXXX hours to agree to a payment otherwise my {$1300.00} debt would turn into {$5000.00} debt and they would garnish wages among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America N.A . is the servicer of my mortgage. A year ago I removed my ex-wifes name from my mortgage using a qualified assumption through Bank of America. Ever since the qualified assumption has been performed, I have been locked out of being able to access my mortgage via online resources. I have a savings account, checking account, and mortgage through Bank of America, and before the assumption, all my accounts were linked through my overview page and could be access from XXXX spot. Now every time I try to access my mortgage I get an error message that states " Due to a technical issue, we are temporarily unable to display Qualified Assumption loan details in Online Banking. Your monthly statements and your annual tax statement will be issued via XXXX mail and payments can be made via the banking center, over the phone or mailed in. We apologize for any inconvenience this may have caused. Please call XXXX for account information. '' I have called Bank of America multiple times to try and resolve this issue. Every time, I spend hours on the phone, get bounced around from department to department, and ultimately am just told " This is because an assumption was done. Give it a few months, you will have access again. '' I still am not able to access my mortgage account via my online banking center, and I realize this might be viewed as a minor inconvenience, but it is deny me my access to the information regarding MY home loan, and I now have to rely fully on the US postal service for my payment options. If for any reason my payment check should get " lost in the mail, '' I am unable to just log into my account and pay my mortgage as I used to be able to do. 

I feel silly turning to a regulatory agency to try and resolve such a simple issue, but I have been given the runaround by Bank of America numerous times, and have wasted hours of my time talking to various agents and departments with no resolution yet. A mortgage is a VERY serious financial decision and it is very disheartening to see that the very large banking institute that is in charge of my financial future can not even fix a SIMPLE problem and restore my online access to my 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 2020-09-30
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I applied for a Covid forbearance on my mortgage loan and was granted for 3 months. After the first month, we started paying or monthly mortgage payment ( which only put us a month behind ). After the 3 month forbearance period we were sent a bill for our current monthly payment and for the month that we missed. The statement stated that I needed to pay the full amount and if I couldnt call and they would try to assist me in a payment plan for the past due. Each time I called, I was deferred to their call back system because all customer service representatives were busy. I never received a call back from SLS. During this time I made payments to the account which was not reflected on my statements. I recently received a letter from them stating that my loan was in default and I needed make my loan current. XX/XX/2020 I got online and paid in full in order to not be in foreclosure. Today XX/XX/2020, I received a letter stating that they applied the payment to my account but I would have to pay XXXX in order for them to reinstate my account. I tried calling them again and got the same run around ( receive a call back ). 
In addition, I pulled up my account online and noticed activity on my account ( charges ) that were not even related to my mortgage loan. These charges include transactions that are titled single item receipt and unapplied funds unidentified. Further the mortgage payments do not reflect the total amount I paid. 
I have pulled up my bank statements and have proof of them receiving online payments and checks for my mortgage loan.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: OK
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 tried several times uploading my FTC report for the XXXX XXXX XXXX XXXX for reporting on my Experian credit report. It won't upload!

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 2022-02-27
Company: EQUIFAX, INC.
State: TX
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan serve company, LoanCare , LLC, ( Street Address:XXXX XXXX XXXX XXXX XXXX , VA XXXX ), failed to pay property tax of 2019 to the local county for my house even though they have my escrow account ( enough amount in the account to pay tax and issurance ). 

Also, they made mistake in the escrow account amount, significantly understate the accumulated amount. 

The local county keeps sending me 2019 property tax bills with penalty and state they may initialize the foreclosure procedure. The bill is due XX/XX/2019 I called LoanCare so many times, asking them to make the tax payment and correct the escrow account amount, but they are very unprofessional, let me wait for more than 30mins for every call and then tell me to just wait. My request is being kicked and played between customer services like a ball. I really do not understand why it is so hard to make the propety tax payment and adjust the escrow amount?

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 2022-08-18
Company: EQUIFAX, INC.
State: DC
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:
My credit reporting on Equifax from XX/XX/2022 is wrong. The notations about delinquencies, past missed payments over 30, credit score algorithms are all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: SQUARETWO FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We received a payment deferral for one payment in 2020 with Covid relief offered by Us Bank. They stated the amount due would just be collected at the end of the lease term. They are now claiming that is not the case and have showed the loan late when I made several payments. Then reported the payment as late to the credit bureaus.

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