BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See attachment! 

XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged PRA account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention. 
Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to Portfolio Recovery Associates LLC ( PRA ), and this raises concerns about compliance with federal law. 
In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for PRA 's communication with me regarding this alleged debt.

Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected. 
I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the XXXX  activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section XXXX of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between PRA and XXXX XXXX bank regarding my personal information for my record in the event I have t file a Federal complaint. 
Given the recent CFPB lawsuit against Portfolio Recovery Associates LLC, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld. 
I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just contacted my Second Mortgage Servicer ( XX/XX/2016 ), Nationstar Mortgage LLC, asking for a XXXX after my First Mortgage Home Affordable Modification With Select portfolio XXXX. was approved this XX/XX/2016 Spoke With XXXX Nationstar XXXX Department and she explained me that '' if the government did not sent the information to them we do not qualify for the XXXX under HAMP '' I thought if the First Mortgage qualify under XXXX the second is eligible for XXXX. 
Is Nationstar Representative correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: ME
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:
This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.

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 2020-07-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Hi, My problem is with Paypal. I run a company here in XXXX and customers pay for products via Paypal. 

In XXXX I removed my old bank account so that I could replace it with a new bank account. 

Unfortunately, Paypal had locked all information changes which prevented me from changing anything on the account, including a new bank account. The old bank account wouldn't work either. 

Since then I have emailed them probably 30 times. Each time a robot comes back and says a typical we are sorry to hear your issue and tells me to try adding the bank account. Obviously this does not work. Eventually, it seems like a person comes to respond and says it is not possible to fix over the internet and you must contact Paypal by phone to fix the issue. But unfortunately, all phone lines are not working due to COVID. Perhaps wait a few days. Its been 7 months and have called all possible phone lines only to be hung up stating ... due to COVID 19 all phones are not available. 

My company is very reliant on these funds. Especially during our troubling times. Through this period of time, I have lost a lot of money due to the diminishing USD - NZD. 

I can not comprehend that they can get away with this. I have threatened court action and am now looking for a lawyer to contact them directly in the US. 

I just want my XXXX back so I can be done with this shoddy company. They have left their company to sail in the wind with major ramifications affecting their customers. 

I can not believe this company functioning as it is. 

What can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: CA
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 my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : 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 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 2023-04-12
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : 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 2022-11-09
Company: Credit Karma, LLC
State: AR
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:
I went to try to get approved for multiple vehicles because Credit Karma showed I had a credit in the XXXX. Because of this information I attempted. I have received a notice from XXXX XXXX XXXX Corporation Fulfillment Department stating that at this same time of XX/XX/XXXX when Credit Karma stated I had a score in the upper XXXX that I actually had a XXXX according to XXXX. If I had known this was the case I would not have wasted my time, energy, or stress on myself or my credit. I have assumed multiple hard inquires that have further dropped my credit to a XXXX on Credit Karma which I would assume is in the lower XXXX. I feel wronged and misled and something should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC d/b/a Shellpoint Mortgage Servicing is refusing to update my account accurately, and illegally attempting to collect {$38000.00} that was dismissed with XXXX in court. They took me to court in XXXX, and the document stated that as of XX/XX/XXXX, I was in default of {$38000.00}, they stated I had to pay that amount within XXXX days or my automatic stay would terminate. This order was denied with prejudice ; which means they can not continue to pursue this amount from me in any form. Instead of complying with the court order NewRez is claiming that the judgment was not for the Affidavit of Default they filed. They have provided me with any other documentation to validate that claim at all and refuse to. If they won that case they would have foreclosed my home and put me out if I didn't pay that amount. So I'm confused as to why they seem to think it's OK to continue to pursue money a judge stated I did not owe and denied. 

They are also adding additional charges to my account every month, withholding payments made on my account into unapplied funds for months at a time. I have been trying to get them to adjust my account for well over a year and they continue to refer me to their lawyer, and the lawyer in turn refers me back to them. So I have been getting the run around since my last complaint in which they admitted that my automatic stay was still in place ( this was part of the Affidavit of Default they claim was not denied ). In XXXX ShellPoint Representative sent in response to CFPB File # : XXXX stating that the following balances were owed thru my Chapter XXXX bankruptcy Pre-petition - of {$3700.00} and Post-petition {$5100.00} ( total {$8800.00} ). I have made all of my bankruptcy payments on time since then but yet as of XX/XX/XXXX they are showing my bankruptcy total amount owed {$17000.00}. 

My XXXX balance continues to increase ( negatively ) as well my overall balance due. In XX/XX/XXXX it was showing {$39000.00} ( this was never fixed from the court case ), and today only 4 months later it has increased to {$56000.00} despite me paying every payment since Shellpoint has had my mortgage since XXXX. On top of that Shellpoint is no longer adding my statements to my online account since XX/XX/XXXX for some reason... I guess so I don't have a record of all the new charges they plan to increase my account to.???

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: MI
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:
I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX On [ XXXX 2020 ], XXXX 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Tried to log into account on XX/XX/XXXX Citi informed me that a XXXX transfer from XXXX XXXX Savings was rejected. I was unaware at the time that I was only allowed to do a daily transfer from savings of XXXX Therefore, Citi closed my account on XX/XX/XXXX with a checking balance of XXXX As of today XX/XX/XXXX I have not received my money. I call Citi but the representatives are rude and short with me. I just want my 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 non-monetary relief
Consumer complaint received 2016-10-25
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was transferred to Nations Star Mortgage from XXXX XXXX XXXX I believe in XXXX. XXXX XXXX XXXX was involved in a lot of predatory lending complaints and issues when it sold my 80 % loan to Nations Star Mortgage. I was told by various representatives when I call them over the phone in XXXX not to worry about a company called XXXX who supposedly bought the 20 % Loan from XXXX in XXXX, but in actuality, my XXXX loan was modified and approved through XXXX XXXX XXXX XXXX and I have written proof and the approved loan docs stating that the modification was approved and all documents were received by XXXX XXXX in XXXX and that the 20 % Loan was written off, and that I was no longer responsible for it. I still have XXXX documents from XXXX XXXX ( this mortgage lender is known for misconduct with their previous loans for the XXXX XXXX XXXX and is no longer in business ) stating that I was only responsible for the 80 % loan of $ XXXX. So from XXXX until present, I have been paying my mortgage on time to Nations Star Mortgage. From XXXX until XXXX, I have never been asked to pay this $ XXXX that XXXX XXXX XXXX is saying I owe all of a sudden, nor was aware that I was still responsible for this amount when I have a letter stating that amount was written off from XXXX in XXXX. 
So when I contacted nations star mortgage and made them aware that I have rented out the house in XXXX after I got married, I started to receive letters and notices of XXXX XXXX XXXX trying to foreclose on my rental property. I was shocked and confused to say the least. I have raised my family in that home since XXXX when I first bought that home, and was saving this home for my children and their children. 
When I called Nations Star various times to confirm or to see if this XXXX XXXX XXXX XXXX reached out to them, they said that they have NOT and NOT TO WORRY ABOUT THEM, THAT THEY COULD NOT FORECLOSE ON MY PROPERTY! 
There were various times and I know that the calls were recorded and that there were documentations of my conversations, and now the second bank has foreclosed on the property, Nations Star mortgage is n't doing much to help me or try to give me more time to hire an attorney and get this figured out. I am 3 months behind on the mortgage because the tenants are n't paying me rent anymore, and are paying XXXX XXXX XXXX rent on a $ XXXX home and my tenants are under the impression that they are paying on a {$40.00} foreclosed lien on my property at XXXX XXXX XXXX XXXX, GA XXXX. 
I was extremely shocked that this has happened and I really need some assistance with nations star mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX there was an illegal foreclosure sale on my home and the claiming to be purchaser XXXX XXXX supposedly paid $ XXXX for my property at XXXX XXXX XXXX. XXXX, MA XXXX. Today at the XXXX XXXX XXXX XXXX filed an " Unopposed property affidavit of entry '' which NEVER happened, the auction was held start to finish, on the XXXX XXXX near XXXX feet away, with witnesses and I RECORDED it onto a dvd disk from my phone, proving this affidavit is False under oath for perjury pains on this fake document ( attached ) on this day today XX/XX/XXXX. ( I have all of her text messages ) Also, this foreclosure is Ignoring my newest deed and Trust ( Bk XXXX pg XXXX ) DATED XX/XX/XXXX XXXX and because it can not be foreclosed on. I am asking this CFPB look into this illegal action of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX whom is working together to commit banking and mortgage crimes for profit. My last complaint on this site was regarding XXXX 's text to me on Thursday XXXX XXXX at XXXX stating she is going to " XXXX '' on my property and " Deed '' to to someone else and that she does not want any litigation I told her to expect from me. Instead today she files in the Reg Deeds claiming to be the owner of my home. I have no notice or any contact of her Closing date or any record anywhere of a Closing especially when she said last Thursday that she was : '' going to close ( over a year past the demanded time window to XXXX ''. I will be again contacting the IRS, FBI, and many other agencies to notify them of this fraud and terrorism on me, knowing that I am XXXX yrs old, XXXX, including XXXX XXXX etc.. This supposed closing took place this past week according to XXXX XXXX past legal limits for this action. Please see attached the auction was on XX/XX/XXXX and this fake foreclosure deed filed in Reg Deeds supposedly took place this past Monday OVER A YEAR LATER. If these criminals entered my property recently with my no trespass signs posted all around my home I will press trespassing charges. To weeks ago XXXX of my signs in the back of my property was torn off of my fence while I was unaware of the trespass or not home. I NEVER allowed any of these criminals on my property at any time ANYWHERE on my property. I would have chased them the XXXX off of my property Fully Opposed and is why the auction was held on the XXXX XXXX near XXXX ft from my property. Because I NEVER allowed them on my property ; so if they entered my property any time after the sale I will use their fake proof of allowed entry, to file a trespassing complaint in the courts for prosecution.

Company response to consumer: Closed with explanation