BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA
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:
Hello XXXX XXXX the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued in small claims court by Midland Funding LLC., XX/XX/2019. 

I had reciepts that showed that XXXX XXXX XXXX balance transfer paid off XXXX Bank {$4700.00} XXXX XXXX XXXX, in the summons, swears in an affidavit by XXXX XXXX, full-time employee of Midland Cedit Management, that i owe XXXX The matter was not resolved, but continues back in small claims court XX/XX/2019. 
I agreed to send XXXX XXXX Firm copies of my reciepts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to XXXX still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Activus Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a mortgage originator and have been for almost 15 years. There is a Company Activus Home Loans that is using misleading marketing materials to my clients making them think it is coming from me. I have had over 10 calls from clients that have said I sent them something regarding refinancing which I never sent. One of my client sent me a picture of what it was. On the very top it has my companies name.. on the bottom footnote in tiny writing it does have a disclaimer stating not to be affiliated with my company, however where the problem lies is they are putting our company on very top in larger font than what they have their company name at. Very misleading for consumers.. I believe they are purposely misleading by the way they have structured their marketing material..

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 2019-03-26
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I requested any type of assistance from my lender since I fell behind on my mortgage payments. I was told to apply for financial assistance through my lender. I was asked if I applied before for a re modification and I said that I have and even stressed that I was worried that I wouldn't be approved since I already applied/ was approved in the past. Never once did they say that per FHA guidelines you can not apply for assistance within 24 months. We began the process of gathering all financial information and sent our first set of financial documents on XXXX. Over the next 2 months we went back and forth with our lender over issues stating that they didn't receive certain documents or we didn't sent the correct documents, but every single time when we would call to ask if what we sent was correct we were told yes. we spoke to numerous employees and all had different answers. We wouldn't find out that our documents were incorrect or missing until we received a document in the mail stating our package was incomplete. NO phone calls or answers to our questions when we would call to make sure they received said documents. We were always told it takes " 5 business days to review, call back on such and such date '' We also could never get in touch with our case worker in charge of our file. Never responded to messages or calls. Our case was closed 3 times over this which resulted in having to send everything over again to reopen our case. On XXXX, we received a letter that our package was complete and under review. During this time of going back and forth over missing documents, our mortgage went from being 3 months behind to 6 months behind. On XXXX I received a phone call that our request was denied due to reapplying for assistance within the FHA 24 month guideline. Not once did they mention this in the very beginning or else I would never be in this situation of possible foreclosure, declaring bankruptcy, etc.

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 2019-03-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2016, {$7100.00} I sent letter but no respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We continue to receive prescreened offers of credit from Citi. It is a constant barrage of mail and advertisements coming through our mail. We do not want any credit cards through this or other companies that continue to mail to us. We are on the Opt Out of Offers list and we still receive these solicitations.

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 2018-09-14
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The below complaint is against predatory lending practices that disregards all legal norms and laws. 
I have never signed any loan with. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Shellpoint company is a part of predatory lending group and I want them to be held responsible for the XXXX-XXXX economy crush by the above bank Back in XXXX when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. I tried to short sell the home and set up pay-off of the debt. XXXX XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXXXXXX XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. It is over 10 years since I incurred debt that XXXX  XXXX XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. I am asking for help as it is mentally draining to wait each month for the same scenario. I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Porania, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed this Bankruptcy is incorrect. I put in disputes to get remove. I havent heard anything within 30 days. By law if you dont here anything it has to be removed from the credit report. I have proof of letter that it was sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had my first initial phone conversation with XXXX XXXX from Radius Global Solutions regarding a charged off auto loan account I have with  XXXX XXXX XXXX on XX/XX/XXXX. On that phone call I stated to Mr XXXX that I am unsure if I would be able to put any money down towards this debt at this moment. On a few separate dates since then, most recently on XX/XX/XXXX - Mr . XXXX called my wife and was going to get into the account had she provided our address and last 4 digits of my social security number. She has stated that she has received a call from that number she received a call from on XX/XX/XXXX several times before but she did not answer, I also am unaware of how they obtained her phone number and also what right he had to try to pass on information regarding my debt without getting consent from me to speak to anyone else. I also have a credit report from late XXXX during which time I was applying for a mortgage and we spoke to someone on a teleconference call from XXXX XXXX XXXX ( XXXX ) and had stated that my account was closed with a XXXX balance. I am also sure of the fact that my number is listed on the do not call list and I have noticed that Mr . XXXX continues to call from different local numbers and area codes in attempts to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was gifted an AMEX SERVE card. Unbeknownst to me, I was charged a {$5.00} fee while the card lay idle. The card packaging clearly shows no fees in NY. NO where on the packaging does it say you have to call and register or activate the card first. In fact, the packages says no activation required. I attempted to recoup the {$80.00} from AMEX. I was denied. The AMEX SERVE team completely disregarded the packaging is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Debt Collectors has been making harrassing phone calls. They have been calling me non stop for the past XXXX weeks at least 5 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Performant Financial Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After resigning from a college sorority, XXXX XXXX XXXX at XXXX State University, the sorority notified me of {$2300.00} in penalties for events such as social receptions they say I missed without notification, which was untrue and I never agreed to pay. XXXX XXXX of XXXX, IN started contacting me. I sent the attached letter on XX/XX/XXXX demanding proof that I had agreed to pay, which they never sent, along with a notice to stop contacting me by phone. The XXXX tracking confirmation is attached.

XXXX XXXX has continued attempt to contact me by phone. The first call after my certified letter notification not to contact me came on XX/XX/XXXX and has continued.

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 2018-04-27
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a loss mitigation request back on XX/XX/2018. I never knew I had those options and was able to find help from a local law office who guided me in the right direction. Pacific Union never reached out to me to offer any assistance to avoid the foreclosure. When calling to follow up with the request, I am being told that it will not be reviewed because it was not received 30 days before the sale date and there is no time. The documents were submitted on XX/XX/XXXX, the sale is not until XX/XX/XXXX that is almost a month so the fact that they said they have no time is an excuse to just ignore my request and offer me no help at all. To this date, the have failed to provide me with alternative options and just want to sell my home with no remorse. I feel as though all my rights have been violated and I am being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Phoenix Financial Services LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two collections were owed and were being collected by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was handling this collection for XXXX XXXX. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XX/XX/2019 I received a collection notice from Phoenix Financial Services in XXXX IN in the amount of {$650.00} owed to XXXX XXXX  XXXX XXXX. Again this collection agency was handling the collection for XXXX XXXX. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX  for the same kind of stuff. 

Now Phoenix Financial is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am aXXXX XXXX XXXX   service connected XXXX Veterasn. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at XXXX XXXX picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is XXXX XXXX continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank isn't listed in their list of banks. Can't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands. 
In my wallet there is one button that says " withdraw. '' When you click it you are sent to a list of banks. My bank is not there. How do I get my money out? My email with coinbase is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Due to the COVID-19 we contacted our Mortgage Company in XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called Roundpoint on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from Roundpoint to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to Roundpoints Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As per previous request, My complaint issue was never resolved with a confirmation that my account was unfrozen. I did follow your response instructions and login to XXXX account and followed through the process requested ti resolve my issue. I did so, and never receive a confirmation, that indeed, my report was unfrozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: IA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2019-04-18
Company: DISCOVER BANK
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a victim of identity theft and have notified the owner of the fraudulent loan, Discover Student Loans, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Discover that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in ****************XXXX was obtained in my name without my consent or knowledge. When checking my credit in XXXX, I saw a credit entry for a student loan in my name with Discover Student Loans. I have never opened an account, obtained a loan from, or co-signed on any loan with Discover Student Loans. I have been attempting to notify Discover since seeing the entry on my credit that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Discover on XX/XX/XXXX notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with Discover Student Loans, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.

Company response to consumer: Closed with explanation