BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of this year, I saw where I had a couple of medical collections on my credit report. One for {$170.00} and one for {$200.00}. Both of these collections were with the same collection agency called XXXX. I called in XXXX and I paid both of these accounts even though I had no idea they ever existed. In the beginning of XXXX of this year, I noticed these two collections along with another collection for {$470.00} suddenly reported with a new collection agency named Ability Recovery Services. Myself and my wife have called Ability Recovery and we've provided proof that the collections have been paid. This was done almost 2 weeks ago. When I first sent in the letter to show the account was paid in full, they responded asking me for the account number even though the account number from the original creditor was on the letter showing the account was paid in full. At that time I didn't have the full account number for Ability Recovery because it was listed on XXXX XXXX and XXXX XXXX doesn't show the account numbers. My wife called everyday last week asking if they could escalate this because we are in the middle of trying to purchase a home and these collections suddenly reporting have caused scores to drop. Noone at this company was helpful or attempted to escalate the problem for a quicker resolution but instead told my husband on yesterday that it would take another 60 days for a resolution. We do not have 60 days and this is not our error. We paid these accounts as soon as we knew they existed and they should've never made it into Ability Recovery office. With the way the interest rates are rising, we don't have 60 days to wait for them to take their sweet time investigating information. There is nothing to investigate. I clearly sent them a receipt showing the accounts had been paid in 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 2016-04-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Multiple issues : LoanCare, a XXXX company which services my home loan failed to provide proper notice and disclosures when they placed their own insurance coverage on my home loan. 

Second, and a more alarming issue is the insurance they placed on my home without proper disclosure has the same coverage I pay for on my own, and there was XXXX % + more per month than my insurance. The insurance company LoanCare chose, and the XXXX times higher than market rate home owners insurance premium resulted in an unnecessary burden on my family. 

If I am experiencing this, this means there are many others out there harmed.

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 2015-05-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have lived in my home for XXXX years. In the last XXXX years I have had personal hardship. I lost my business of XXXX years. I went thru a divorce after being married for XXXX years. I also had a bout with XXXX. By grace I was able to keep my head above water. I know have means to pay my bills. I have a loan with Carrington that I am behind on. They are foreclosing on my home. I have funds to pay my monthly payments plus a little more. I have enclosed my bank statements showing I can do so. I just can not pay thousands every month. At least right now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: MB FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
MB Finanical has lost requests to take off my PMI, after this was lost the fee to assess my current mortgage value increased. After I paid the new fee after being told that my LTV % was XXXX, they then told me that my LTV increased to XXXX %. Missed payments, solid history my PMI is n't going to be removed because they say that my LTV is at XXXX % When speaking to the bank they were unable to bring up my full records and told me that I would hear back from a manager, that has not happened. They have not been able to tell me why this as occurred and continue to receive my payments with the PMI on them. Due to this they have been able to continue to receive PMI payments when they are no longer applicable. This feels like fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my Mortgage payment through my bank. A check is cut and mailed to the Mortgage Company. The check that was mailed to Carrington Mortgage was cashed 2 days early causing by checking account to be overdrawn which caused NSF fees. The date on the check was XXXX XXXX, 2016. It cleared my bank on the XXXX. I called my bank who, as a courtesy, issued an NSF refund on the initial overdraft charge of {$38.00}. I then contacted Carrington Mortgage and explained what had happened. I was told they do no accept post dated checks and that the address where my payment was mailed was a " machine '', which I took to mean a clearing house for posting. I was not contacted by Carrington or given any notice of the early posting. I was offered no resolution to the issue by Carrington, but was assured by the CSR I was speaking to would be getting with a manager and give me a call back to see what could be done. It has been 24 hours since I contacted Carrington and I have yet to hear from anyone. Another day has passed and two other outstanding charges have been posted to my checking account causing two more overdraft fees to post. Total overdraft fees as of XXXX are {$110.00}. This is ridiculous. If a machine is capable of reading an XXXX routing number and an account number from a piece of scanned paper, it should certainly be able to read a date as well as stop an early draft from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
USAA recently elected to unilaterally change their credit card service provider from XXXX to XXXX claiming the user base would see no difference in terms. As husband and wife, we have had for some time XXXX card number and account with joint authorized use and yet individual names on the cards. Now USAA, without approval or authorization from the card user, is reissuing separate cards with separate numbers for each card user while claiming the cards ' multiple card numbers are changed but it is all within the same account. No effort was made to acquire or request agreement or authorization from the member or spouse prior to issuing the new card and specifically now XXXX with separate, individual numbers. We believe this constitutes issuing a new credit card without the user 's approval or agreement. Upon calling and speaking with Sr. account representatives, USAA has told us we have no other choice but for individual cards to have separate numbers if we want both parties to have authorized card account use. They also admitted it is, at least in part, using separate numbers to enable the tracking of credit card spending and subsequent marketing use information. This supposedly is all for the user 's protection. It is worth noting that the billing documents already reflect separate card numbers and XXXX charges while the XXXX cards have as yet not even been activated. This makes it impossible to track and confirm our own expenditures and card use without having to call USAA and ask questions specific to the charges. We believe the individual card numbers being issued absent user agreement or approval is at least unethical and perhaps illegal. We also feel it is a deliberate marketing ploy to enable XXXX, USAA or whomever to use this as an opportunity to wantonly solicit the unique cardholder against our interests or wishes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have an unresolved credit card dispute with USAA regarding a fraudulent transaction from XXXX XXXX XXXX XXXX in the amount of {$360.00}. In spite of documentation supporting my position that XXXX a refund in full, USAA is still billing me in spite of my best efforts to resolve the matter on the phone and on line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2015-07-27
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was delinquent in paying a debt to XXXX XXXX XXXX XXXX for an emergency ambulance ride. Incidentally, I did call the Fire Department directly shortly after the date of service and attempted to pay over the phone. At that time, they did not have an electronic system in place to accept payment via debit/credit card and requested that I send in a check, which I did not do. I called back last month and attempted to pay the debt directly to them and they advised that they had already sent the account to collections with National Business Factors. 
As the debt was sent to National Business Factors , Inc., I was contacted via writing by them. Within ten days of receiving their collection letter, I contacted National Business Factors , Inc. directly and paid the original debt in its entirety. I refused to pay the interest as I did not enter into a contract with National Business Factors , Inc. and felt I had paid the bill completely. The bill from XXXX XXXX XXXX XXXX was for {$350.00} and on XXXX/XXXX/2015, this amount was paid to National Business Factors , Inc. 
I continued ( and still do ) to receive phone calls and letters from the collection agency threatening to ruin my credit if I do not pay the interest, which they report continues to accrue daily. 
I have contacted the collection agency on numerous occasions citing my belief that legally I do no owe this debt as I have not entered into a contract with them, therefore they can not charge me this interest. I have consulted the internet and state laws to learn that I am not legally responsible for this debt. They are aggressive with me when I attempt to communicate with them and continue to threaten my credit worthiness. 
The amount in question is only {$25.00}, though that compounds daily so is likely higher at this point. I am protesting out of principle, certainly not out of inability to pay the amount. I disagree with their collections tactics and do n't feel I owe this debt. 
Is it legal for a XXXX party collection agency to hold me responsible to them for their interest after the debt has already been paid off completely? And continue to compound the debt after the original debt has been paid? 

I 've attempted to attach supporting documents such as the original bill as well as evidence of payment and letters from National Business Factors but this system will not allow PDF files to be uploaded - I tired XXXX times and it freezes the system. I 'm happy to provide documentation if requested via email attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with XXXX XXXX XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed XXXX XXXX would remove the collection from my credit report. Attached below is my XXXX receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is as reminder to the Credit Bureuas that they have failed to comply with my requests to remove the fraudulent accounts and information completely from my Credit File! I am disappointed and I feel like the Credit Reporting Agencies are not doing their jobs and have grown negligent of their responsibilities. Let me remind the Credit bureaus that they are required to investigate and remove any fraudulent information from my Credit File under the Fair Credit Reporting Act section 605b. Also, the Credit Bureaus have been failing to respond to my dispute letters in a timely manner have been claiming that the items I am disputing are verified and accurate! This is a clear violation of my rights under the FCRA! My Identity was stolen and was used to open these accounts and file these information without my permission therefore these items I am disputing must be removed at all cost! Once again, I need the following items removed completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Byrider Franchising, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Good Morning, I had a loan at J.D. Byrider I voluntary surrendered my car. I told them many times that they do not have permission to take money from my account and they keep doing it. Today they took the payment again without my permission and it was from a credit card not my debit card. The total amount was XXXX. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: LoanCare, LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was charged twice for a my XXXX mortgage leaving me with no money. They told me it was refunded and I have yet to see it.

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 2017-01-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Issue: Other

Complaint:
I have a paypal account line of credit. I used it to purchase a dresser from their online store. Well the item was supposedly delivered to a Sears store in XXXX XXXX IL but I never received it. During all of this I received the run around for hours. All I want is my XXXX put back on my paypal account without waiting forever. I was informed 10 days the 30 days.. I just want my money. I will never order anything from them online again. I believe the item was stolen and they want to cover it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early in XXXX, XXXX, I was informed that Shellpoint Mortgage had taken over my existing home mortgage. I went to their website, as instructed, set up a password and username and logged into my account as instructed. The account, under my name, address, and loan number, instructed me that my payment was due XXXX XXXX, XXXX. I returned to the website on XXXX XXXX, and the same instructions were there, payment due XXXX XXXX, XXXX. Sometime during XXXX I received a letter saying I was XXXX months in arrears, XXXX and XXXX. I called and talked to a Customer Service Rep who said that some one else 's payment was credited to my account - an obvious lie, as no one else had m y name, address, and account number, and that I was in danger of foreclosure. I pointed out that the mistake was their 's as I had saved a copy of the XXXX pay date in my computer, had Printed out a copy of it, and taken a photo of it with my phone. He said, in essence, Tough Sh*t, pay up! 
I am XXXX XXXX XXXX and live on SS. With today 's inflation and gas prices, my SS does not last the entire month. I have to go, each month, to one of my kids ( who has his own family ) for these payments. When he was told no payment was due until XXXX, he used the money for other essentials. 
Now, I am being threatened with the loss of my house due to THEIR mistake. 
Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an account with XXXX XXXX XXXX and I asked them for XXXX for TV service. There was no XXXX in my area, so XXXX XXXX XXXX had a deal with XXXX and that 's what XXXX XXXX XXXX gave me. My payments went to who I had a contract with, never paid anyone but XXXX XXXX XXXX and paid in full. Never had credit card, check, or money exchanges with XXXX because I had no account with XXXX. I left XXXX XXXX XXXX, now XXXX tells me I canceled early, and I owe money. I was never with them. I never had a contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. Over the course of the past 5 months I have spoken with the bank over 29 phone calls. 

The bank has approximately {$13000.00} of my money. The bank has repetedly refused to return my money to me. They have held it from me for 5 months. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: LD Holdings Group, LLC
State: ND
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, XXXX XXXX XXXX XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I paid Loan Depot {$2500.00} for the Lender, ( Loan Depot ) to get this loan for me and lock my interest rate in at 3.75 %. Between XXXX and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of mine that I can see, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot another origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with XXXX and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. As far as I am concerned Loan Depot knew full well that it was not me dragging my feet or holding up the process but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed anyway before they raised the rate against my will again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation