BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I paid my XXXX 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of Credit Control , LLC. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to Credit Control LLC, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.

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 2022-11-20
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Loaded {$100.00} on XXXX  Prepaid Visa on XX/XX/2022 at XXXX XXXX ( XXXX CA ). 4 hours later, XX/XX/2022 at XXXX XXXX there were two purchases I did not make XXXX XXXX XXXX  XXXX ). Filed a dispute with InComm Disputes. There have been countless complaints with this Gift Card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX, we opened an equity loan with PNC bank in XXXX, AL - we were told that we HAD to also open a checking account in order for them to automatically deduct the monthly payment. We were assured that as long as we either kept {$2000.00} average checking balance or our loan balance was greater than {$15000.00} then they would NOT charge a XXXX XXXX monthly fee. Several times over the years the checking balance has been less than {$2000.00} and we have never been charged a fee. Starting in XX/XX/XXXX they charged the fee and advised me that it was due to checking account average being below {$2000.00}. I questioned why a fee was charged when my loan balance is still above {$15000.00} and they told me that was no longer an option to waive the fee. They stated that now I was required to maintain a {$2000.00} checking average balance so I asked them when this changed and why I was never notified. They said it would have been on one of my statements but could not advise me which one. I have checked all of the XXXX online statement messages and there is no notification that they were removing the linked option of loan balances over {$15000.00}. I did not want this checking account anyway so I will not pay a $ XXXX monthly fee just so they can deduct my monthly loan payment when I have other bank accounts that I can allow them to debit. I was advised today that should I cancel the checking account they might increase my fixed interest rate on my equity loan from XXXX - I thought thta banks were required to give advance notice of fee changes and I do not think it is legal for them to adjust my interest rate if I choose to cancel the checking account but allow them to do automatic payments from a different bank account. Can you assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Thank you for taking time to read this. The total amount charged was {$11000.00} in XXXX of XXXX. The online travel agency XXXX was supposed to provide a discount to which it did not so we initially disputed the discount amount of XXXX  XXXX. Due to the pandemic, XXXX went out of business in XXXX of XXXX without providing a service nor refunding that amount. Now we are trying to recover the {$11000.00} but because of the initial dispute for a smaller amount Discover wont dispute it nor provide us with credit even though more than a hundred pages of evidence supported the refund. Discover has even agreed that I should be refunded this amount but has not done so. It is un fair to be out nearly {$12000.00} for something that we couldnt control. It has been almost a year. Please help our family CFBP. Thank you kindly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from TSI ( Transworld Systems Inc. ) I've never heard of them or the Creditor : XXXX XXXX XXXX. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRUSTMARK CORPORATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am being charged XXXX dollars for an escrow shortage that doesnt exist. I was notified of an escrow shortage of XXXX dollars from the mortgage company. I paid them XXXX dollars to fix the shortage and to put extra money in the account. However they stated that my mortgage was still going to go up to account for the shortage in the future which doesnt make sense since I paid the shortage. They stated that the insurance went up XXXX dollars from XXXX dollars a year to XXXX dollars a year ; this information is false. The insurance went up XXXX dollars a year from XXXX dollars to XXXX dollars. They claim that the last information they were aware of was insurance records from the XXXX when the insurance was XXXX dollars. However, according to their records, they mortgage company paid the XXXX dollar premium from XXXX. I am able to produce documents to prove it to them and they still will not change the increase in the mortgage. They claim that they made no mistake when they completed an escrow analysis. I was able to show them that they analysis the completed was incorrect and was compiled with the incorrect data. I requested a new escrow analysis with the correct information but they refused and are now charging me XXXX for a shortage that doesnt exist. I would like the VA to know this information and I would like the VA to fix this, since it is unjust.

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 2022-10-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Collection Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.

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 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.

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 2023-07-29
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2020-06-11
Company: AmeriHome Mortgage Company, LLC
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: Account information incorrect

Complaint:
Starting with our XXXX loan payment to Amerihome Mortgage Co. Thru automated bill pay service with XXXX XXXX our payments were not being applied to our Loan. Payments for XXXX, XXXX and XXXX were sent but not applied. XXXX payment was withdrawn from our checking account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX, XXXX payment on XX/XX/XXXX. After many conversations with Amerihome personnel it was determined that we had the wrong loan number on the automated draft being sent from XXXX XXXX to Amerihome. This is a seasoned loan and Amerihome had accepted and applied all payments in XXXX using the incorrect loan number. At no point were we informed that the loan number was incorrect. Amerihome reported to XXXX  that the loan was delinquent thus lowering my credit score by approximately 50 points. I find the Amerihome personnel totally indifferent to this problem, generally the individual 's that we talked with were pretty much uninformed regarding how to research this problem. In my opinion this problem should have been resolved within a XXXX hour period but took us talking with Amerihome from XXXX thru XXXX. This company is just unprepared to accurately diagnosis even the simplest situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is ( XXXX XXXX XXXX federally protected consumer, and I am making this complaint against ( ProCollect ) for committing identity theft. I have never given ( ProCollect ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( ProCollect ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( ProCollect ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( ProCollect ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( ProCollect ) continues its collection efforts, I will file for litigation for actual damages caused and ( ProCollect ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-12-18
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint against LVNV Funding LLC for failure to verify debt and improper credit reporting I am writing to file a formal complaint against LVNV Funding LLC for its refusal to verify a debt and its unjustified reporting to credit bureaus. The actions of this debt collection company not only violate my rights as a consumer but also demonstrate a disregard for fair debt collection practices and responsible reporting. I kindly request your intervention in this matter to ensure that appropriate action is taken against the company. 
On XX/XX/2023, I received a collection notice from LVNV Funding LLC, claiming that I owe a debt to XXXX  XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested verification of the debt and provided the necessary information to LVNV Funding LLC. However, despite multiple attempts, the company has failed to provide any substantial evidence validating the debt in question. 
Furthermore, despite the lack of verification, LVNV Funding LLC has continued its reporting of this debt to the credit bureaus, resulting in negative marks on my credit report. This unwarranted reporting not only damages my creditworthiness but also violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and substantiated reporting of consumer debts. 
The actions of LVNV Funding LLC have caused significant distress and financial harm. I believe their behavior is not only in violation of the FDCPA and FCRA but also indicative of a systemic problem within their debt collection practices. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. 
I respectfully ask that the following actions be taken : Conduct a comprehensive investigation into the debt collection practices of LVNV Funding LLC to ensure compliance with the FDCPA. 
Require LVNV Funding LLC to provide valid and substantiated verification of the debt in question. 
Instruct LVNV Funding LLC to immediately cease all reporting of this debt to credit bureaus until the verification process is completed. 
Impose appropriate penalties and sanctions against LVNV Funding LLC if found guilty of violating consumer protection laws. 
Enclosed with this letter, please find copies of all relevant documents, including the collection notice, my verification requests, and any correspondence I have received from LVNV Funding LLC. 
I appreciate your attention to this matter and your efforts in protecting consumer rights. I look forward to a prompt resolution of this complaint and your assistance in holding LVNV Funding LLC accountable for their improper debt collection practices and unjust credit reporting. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX, # XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-06
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had made multiple purchases with an online merchant for clothes and other homegood products. Some of these did not work out and I did separate returns for the different transactions. I have not received these credits to my account. Some I have, but many I have not. I contacted Paypal and they said it was the merchants problem. I called the merchant and they said it was Paypals fault. The total amount for 6 missing refunds is for {$740.00}. 
Since they come in as separate transactions, I will list them separately. 
{$51.00} {$8.00} {$14.00} {$43.00} {$180.00} {$100.00} {$270.00} {$72.00} I can send additional information if needed. 

Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX  the money to the name and email address the illegid company told me to so I can purchase a puppy. Delivery was last Saturday and never had any communication with the carrier service they informed me was doing the transport. Called the company and there was no such transport under my name or confirmation number. XXXX the website to make sure legit company and there was no reports. After not getting emails from carrier and no such reservation for me I XXXX the website again and now it's flagged scam.

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 2023-04-26
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, we paid off our home mortgage, which was with XXXX We had received notices that XXXX was selling our mortgage to MrCooper, as of XX/XX/2023. When we did the payoff with XXXX on XX/XX/2023, they said everything was correct and that it was good we did it earlier than XX/XX/2023, so we could avoid any possible issues with the transfer. We did everything properly and it should have been fine. 

But, instead, we received bills from MrCooper. We called them to confirm they did not have the loan and we had paid it off before it went to them. They said the loan was somehow transferred to them on XX/XX/2023, so they show that we owe them the full mortgage. We have been calling and emailing since. MrCooper said it would be fixed in early XXXX, then XXXX. Now they say it should be fixed by XX/XX/2023. 

Our escrow is due to be returned to us and has not been. Further, we continue to receive bills from MrCooper. They made the error, we did nothing wrong. And yet, we are negatively impacted.

Company response to consumer: Closed with explanation