BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing Inc. is the worst mortgage servicer I have ever dealt with by far. Not even close. They do what they want and when they want. Never in 29 years have I dealt with a company that is so incompetent and un-ethical in any industry. Report these XXXX  immediately to government agencies so hopefully they are put out of business or fined into oblivion. Keep in mind they will do what they can to foreclose on your house. They have canceled my payments twice in 2022. Not my choice but theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from XXXX that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 


MED BUSI BUR Original creditor : XXXX XXXX PARTNERS Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.

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 2022-07-07
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Accounts reporting are due to Identity theft so are the inquireis they need to be deleted. 
XXXX XXXX services and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: FIRST HORIZON BANK
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Consumer Finance Protection Bureau Complaint XXXX XXXX XXXX XXXX with First Horizon Bank 'LOST THE PAPERWORK/FILE ' FOR THE 'PERSONAL LOAN ' for a 'USED VEHICLE LOAN '. 
NO VEHICLE MEANS NO 'XXXX INCOME '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of XX/XX/XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation.

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of XX/XX/XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation.

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 2022-07-07
Company: EQUIFAX, INC.
State: PA
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:
15 U.S.C 1681 section 602 A. 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 2019-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 A Home Equity Line of Credit with Citizen 's Bank was paid off in full via ACH from XXXX XXXX. Bank statements show this transaction being completed and credited to my account on XX/XX/2019. On XX/XX/2019 a " preauthorized '' debit for the monthly payment of about {$350.00} was debited from the checking account with balance of about {$79.00} resulting in an overdraft. This payment should not have been processed by Citizens due to the XX/XX/XXXX payment in full. Citizens refuses to reverse the double charge to the account, refuses to refund the {$79.00} and refuses to close the accounts as of a phone call on XX/XX/2019. It appears Citizens ignores payments that XXXX out balances, pre-authorizes debits well in advance of payment date and without any procedure for cancellation by the consumer. Further, their policies are designed to maximize fee income by refusing to close accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Their investigation did not fix an error on your report

Complaint:
Unauthorized and inaccurate reporting to my consumer report multiple violations and failed to fix problems

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Avant Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This letter is a follow up to my original letter dated XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim closed, 150 days late. 

By not replying in a timely manner to my initial letter on XXXX XXXX, 2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received notification via us mail from credit collection services a collection agency for XXXX cable ... I do n't owe any such debt.. this account has been sold twice in XXXX days by XXXX..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1400.00}. The collection has been reported as a past due balance. I don't know this company or have ever done business with this company. This company does not have any contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage is with Freedom Mtg & a few months ago, they contacted us asking us to refinance. After some convincing, we agreed as they would be paying all closing costs and lowering our monthly payment. We were told by their agents, XXXX and XXXX, not to make our XXXX payment as it would just be refunded. I asked several times if they were sure we should not make the XXXX payment and was reassured that we should not as long as we closed before XXXX. The closing was XXXX. I cancelled the already scheduled payment. On XXXX XXXX, we began getting delinquency calls from Freedom. Each time I would explain they asked us not to make a payment, gave their disbursement date, got the run around, they said it was automated and would probably happen again and there was nothing they could do. It happened many more times, sometimes twice a day. We were never delinquent in our loan and only cancelled the payment at their request. We also got delinquency letters and statements. I called again with the same response, it is automated, nothing they can do, each department blaming the other ( refi and mortgage ). Spoke to XXXX weeks ago, asked him to look into it and have it stopped, he promised he would get back to me but never did. They sent escrow refund dated XXXX XXXX for {$310.00}. They sent another delinquency notice dated XXXX XXXX saying we were 48 days delinquent, but zero owed. See statement attached, see XXXX page for delinquency notice. It is abhorrent that they are unable to figure out how to make their left hand speak to the right. If you are refunding me for the same account, why are you accusing me of delinquency? I spoke to them again, they said it should not have happened but can not say why it did, or how they will fix it. For a month and a half, we have been getting these calls and letters accusing us of being delinquent. We do not pay our bills late. The only time we had an issue with late bills was when we bought the new house and there were mail delivery problems because the neighborhood was so new. To repeatedly be accused, for such a protracted time, is harassment and it needs to stop. This should not be happening to any customer refinancing, much less a customer they asked to refi with them and told not to make the payment. If we were actually delinquent, I would not have a problem with the contact because it would be my own fault. However, this is rising to the level of absurdity.

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 2016-04-05
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get 5-7 calls a day and they start anywhere from XXXX to XXXX all the way to last call being a little after or before XXXX. This is getting out of hand and I ca n't take it anymore. The harrasment is insane. They have said everything to me. That I need to pay " or else ''. I need to pay because " I need to understand what it is ''. I do not know who hires these people but they are so rude and keep threatnening me verbally. Now, they are calling with a BLOCKED NUMBER! So I do not know who it is that is calling me. Getting completely out of hand so I am reaching to know what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been trying to combine my home equity loan into the mortgage and refinance with Harris Bank since XXXX 2015. It seems that each time a bank employee disappears and drops the ball. The Bank 's " Help-Line ( an oxymoron ), '' seems to drag out the process, asking me to fax an IRS Form XXXX to their office at XXXX in XXXX , WI., but when I try to send the fax, their fax machine does not pick up and when I try to contact them by voice at XXXX, either I get the run-around, or their voice mail system becomes an impenetrable barrier to communication. My " Single Point of Contact, '' was XXXX XXXX, XXXX, who inexplicably disappeared leaving no named successor as a " Single Point of Contact. '' Before he disappeared, I left XXXX XXXX a voice message informing him that his fax machine was not picking up. Some time later, his supposed assistant called me, apparently after listening to his voice mail and sent a letter which XXXX sent nearly a month ago asking me to fax the IRS Form to the non-functioning fax number. The form is time sensitive and must be received by the bank to complete the process. In this comedy of errors, it appears that Harris Bank is either deliberately acting so as to induce my attempt to combine the loan with my mortgage and refinance to fail, or the bank is so incompetently managed as to produce the same result. I can submit documentation in support of my complaint by fax and snail mail.

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 2022-07-07
Company: FC HoldCo LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.

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 2017-11-18
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection of {$2400.00} with Credence Resource Management that had an initial collection year of XX/XX/XXXX has been added to XXXX Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Ingo Money, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Ingo Money replied to a prior complaint regarding a transaction in the amount of {$1000.00} on or around XX/XX/XXXX. I deposited a check in this amount on said date, they list the amount as {$1300.00} which is incorrect. As explained in prior CFPB complaint, I chose ten day waiting period which would make funds available on XX/XX/XXXX. Due to a sudden emergency, I needed to cash check prior to ten day period, took check to XXXX XXXX XXXX branch which is bank whom funds are drawn from, cashed it in person. Ingo rep stated my account is in collections when the check was not cashed twice as she implied, funds wee not credited to my account and it shows check as cashed in their app and funds not credited to account. It appears they refuse to remove block on account even when I did not receive funds in account deposited to.. A message was left for a manger, no call back. As far as I aware, I do not owe Ingo on this check or any fees related to it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was shocked to discover that the interest being charged was more than the actual medical bill it self! When my initial debt went to collections I asked this company via their rep XXXX, " how is it legal for you to charge so much interest on medical debt? ". XXXX told me that their collection practices were legal and that I should contact my state to change the law! 
I am not disputing an actual copay due the medical provider. I AM DISPUTING THE INTEREST THIS COMPANY IS CHARGING. It is my understanding that excessive interest can not be charged for medical bills. A {$440.00} bill has turned in to {$770.00} due to Bonneville Collections ' exorbitant interest charges. 
If I am already under water due to medical challenges with their attendant copays how in the world can I be expected to pay such absurd gauging interest? 
I WANT THE INTEREST CHARGES REMOVED AND THIS DEBT COLLECTOR STOPPED. THIS IS IMMORAL AND SUPPOSEDLY ILLEGAL IN OREGON!

Company response to consumer: Closed with explanation