BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment was made on the account on XX/XX/21 for the full amount owed {$100.00}. The debt was to be removed from my credit report, but even after payment the status of the account is open and the full balance is still showing as owed.

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 2019-11-05
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 14 year old mortgage with first florida bank of Puerto Rico. 
My ondo insurance has lapsed because they have not paid it in spite of the fact my payments are always on time I phoned the bank 2 weeks straight and left messages each time and never receive the courtesy of a return call in spite of the fact I stressed the urgency of the matter. 
Today I phoned the manager of the main bank and was put through. He told me an intermediary paid the insurance. he would contact them and it will be paid tomorrow. 
I feel this bank is not worthy of doing business because this is the 3rd issue I have had with them where their practices are questionable ... legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous requests to delete the old addresses that do not belong to me on my Experian and XXXX credit reports. 

The following addresses are on my XXXX  : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX The following addresses are on my Experian : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have been sending the attached proof of address for over 6 months with dispute letters.

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 2017-09-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX today re-aged my original bankruptcy date from XX/XX/XXXX to XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.

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 2021-02-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is not a problem with a payment. Your form just doesn't list my problem. My problem is this, Ally Home Mortgage sent me a Privacy Policy Notice that directs me to their website to OPT OUT of marketing. I have tried numerous times over numerous days to submit this form. Every time the form is submitted, I get an error message. Regulation P requires lenders to provide me a way to opt out of their marketing. And this mortgage company is not in compliance with the law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2017-09-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried reaching out to this company regarding debt that they say I allegedly owe to Credit Collection Service several times via postal mail and have yet to receive a response. I would like this removed from all major credit bureaus immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan started out i owed XXXX and they modified the loan now at the end of the loan I owed them XXXX so over all i will have to pay them XXXX something dont seems right about that on a interest only loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 I sent {$1000.00} deposit for a puppy that I never received through Capital One Bank through XXXX. I told them that I didn't know the person XXXX XXXX that I sent to this supposed person 's email XXXX on XX/XX/21 because that was the date I was supposed to receive the Bernedoodle puppy Named XXXX and I told them on XX/XX/21 that I was Scammed. Capital One bank said that the claim was denied on XX/XX/21, Then I called Capital One Bank on XX/XX/21 and I asked to speak to the Fraud department and I told them again that this was Fraud because I was Scammed and requested that they send me the transaction, which they did but was not legible at all and I also started a second complaint on the same matter on XX/XX/21 and on XX/XX/21 they denied me again. I just want my {$1000.00} deposit from Capital One Bank because I did send the money not knowing who XXXX XXXX was and I never received the puppy. If you look at my History with Capital One Bank, I never made a claim for any high dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: NCB Management Services 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: Account status incorrect

Complaint:
I have sent NCB Management Services numerous requests to fix the in accuracies on my credit report since XX/XX/XXXX. I have also disputed the account with all three credit reporting agencies as well. NCB is still reporting inaccurate information to the credit bureaus. I sent NCB a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and they received the letter on XX/XX/XXXX asking for an investigation under the FCRA FRCA 623 ( a ) ( 8 ) and they failed to investigate the inaccurate information and send me the documentation that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the past I have paid medical collection bills with other agencies and they immediately remove the collection from my account on their next reporting cycle. Today I spoke with Advanced Collection Bureau in XXXX, FL about a {$710.00} collection they have on my credit report. I asked them if I paid it would they in return completely remove the item from my credit as others have done in the past. ( Keep in mind that I know it is at their discretion to leave the item on my report and just report it as paid. ) The lady at first insinuated that if i paid the XXXX that she could completely remove the item. She then said, wait you have 3 other accounts. Two of the accounts totaling < {$40.00} combined are from XXXX, no problem. The final account is for 300+ from XXXX. That's a problem because not only could she not be clear on the original owner of the account ; she eventually said it was lab results or testing of some sort, I don't recall having any medical events 12yrs ago in XXXX of XXXX. Once she discovered and disclosed these additional 3 old accounts to me she said the only way I could have the {$710.00} collection that currently shows on my credit completely removed is if i pay the full amount of XXXX   dollars equivalent to all the accounts, old and new. As i mentioned before i'm aware they can completely remove or mark the collection as paid and leave it on my report. I was not aware that they had the power to extort me over a 12 yr debt that i had no idea about. It's my understanding that each of these accounts should stand on their own. A twelve yr old account that I know nothing about should not have any bearing on how they choose to report a 4 month old paid account on my credit. To extort me over a 12yr old account is unethical. The lady was not concerned in the least when I told her i was filing a complaint with your office. Nevertheless I paid the {$710.00} balance in full for the one item that can actually legally show on my credit report. I would like someone to reach out to me as well as Advanced Collection Bureau in XXXX and let us both know if this is a fair practice. I've never received a single piece of mail concerning any of the accounts I supposedly have at Advanced Collection Bureau

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Freedom Mortgage Company
State: NV
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:
On XX/XX/18 I signed documents to refinance my mortgage from Freedom mortgage XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. Freedom Mortgage XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, Also my personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Mortgage was closed 9 years ago and is still reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: TN
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 am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX  deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.

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 2018-09-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, my Chase bank account was charged for {$150.00} from XXXX XXXX XXXX, because I had put my debit card on file for my brother in law to receive auto insurance from XXXX. On XX/XX/2018, I had contacted XXXX about this, stating that he was supposed to remove my card from the policy and replace it with his, in which the representative promptly removed my card from the policy and advised that I contact my financial institution to file a dispute, so that I would receive that money back. I contacted Chase, had filed a dispute, and received a temporary credit. On XX/XX/2018, the credit was removed. Upon contacting Chase Bank and speaking with their XXXX Department, I was advised to contact XXXX, because they had sent a request for the funds to be returned, but had not gotten a response. I contacted XXXX, in which they informed me that they had not gotten a response. I contacted XXXX and Chase Bank several times, back and forth, getting different responses ranging from we haven't gotten a response from XXXX XXXX XXXX has denied your claim, based on the fact that you authorized automatic withdraws on your debit card, in which I had not taken off before the transaction started. When I filed the dispute on XX/XX/2018, which wasn't processed until XX/XX/2018, I was advised that everything would be taken care of, and that I would be contacted if any questions were to be asked. Chase Bank has last stated to me that, since the transaction processed, that XXXX XXXX XXXX would have to be the one that has to issue a refund back to me, but will not, because they're telling me that I have to file another dispute with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing Inc on behalf of XXXX XXXX- XXXX XXXX - XXXX Trust c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE, XXXX keep harassing me even though my mortgage is up to date. 
As of XX/XX/2018, the above entities bought my mortgage from XXXX XXXX XXXX  and has removed the mortgage payment from my checking as automatic withdrawals yet it keeps sending me letters stating that I owe a late fee for late payment. I have written t the company for clarification and since then have sent me multiple letters demanding I pay off my mortgage, multiple letters that make it seems that my mortgage is late ( including late fees ), and I am not capable of paying my mortgage, even though the funds are withdrawn directly from my checking account by SPS through Automatic drafts. I have received a total of 10 letters implying that I am having difficulty paying my mortgage and I have received 2 letters demanding I pay off my mortgage. Since this company is a debt collector, I am very concerned that erroneous information will be provided to anyone with whom this company shares information. 

1. This harassment is not appropriate. SPS is a debt collection agency and I want to know if either entity has the right to demand a payoff. 
2. since it is a debt collection agency, any documentation within its records can be shared. This is libelous and injurious to my credit worthiness and it appears to be a deliberate effort to sabotage any effort on my part to refinance with another mortgager. 

Today, I received a second note requesting a payoff of the mortgage. I have written to SPS and have not received a adequate response, yet I keep receiving notices that I owe late fees, that a payoff is required by XX/XX/2018 I do not trust these companies ; My mortgage is current and up to date. 

I truly believe this is how these two companies work to obtain high valued properties by creating false delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: NATIONSTAR MORTGAGE LLC
State: AR
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:
MR. COOPER/NATIONSTAR FAILED TO DELETE LOAN NO.XXXX FROM ALL BUREAUS ( SEE ATTACHED ). WE ARE GOING TO FILE A LAWSUIT FOR {$35.00} XXXX FOR ALL DAMAGES CAUSED US BY NATIONSTAR! 

THIS WILL BE THE LAST TIME NATIONSTAR VIOLATES THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have overdraft fees tied to charges that posted with a positive balance on my account. At the end of day on XX/XX/2019 I checked my account and had about {$5.00} in it. According to Wells Fargo reps the system posted the transactions in a different way than what it shows on the consumer side of the system. This caused my account to be actually XXXX even though it didnt show to me the prior night or even on the following day when the overdraft charges were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Onn  XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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 is missing that should be on the report

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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