BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Fidelity National Financial, Inc
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Received a loan you didn't apply for

Complaint:
In XX/XX/XXXX XXXX and XXXX XXXX claim that they lent XXXX XXXX XXXX - XXXX XXXX a loan for {$100000.00} to purchase an office complex for himself that I was told would be a flip property. They produced a photocopy of a cashiers check that they claim was given to XXXX XXXX at XXXX XXXX XXXX as payment towards this loan but XXXX XXXX XXXX never received a receipt for the transfer of money into escrow nor was the money ever deposited into the XXXX  XXXX XXXX business account. Then the XXXX 's had XXXX XXXX write up a Promissory Note stating that XXXX XXXXXXXX XXXX XXXX XXXX owed XXXX and XXXX XXXX {$100000.00}. These two companies, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are two totally separate LLC businesses, formed by their son. 
Then in XXXX of XXXX XXXX and XXXX XXXX set up another appointment, along with their son and had me sign a quit claim deed, drawn up again by XXXX XXXX from XXXX XXXX XXXX, after the purchase agreement had already been signed for the sale of property, to transfer my rights of ownership back to them, five days before closing. The property was valued at over {$100000.00}. Therefore whatever scheme they had devised as a Promissory Note in XX/XX/XXXX was paid back to them one month later in the form of a quit claim deed to property at XXXX XXXX XXXX, XXXX. 
In XXXX of XXXX, XXXX and XXXX XXXX produced this same Promissory Note to the XXXX  District court in a lawsuit to which they are not party to, claiming the repayment of this fraudulent business loan. They are engaging in a hoax to deceive Judge XXXX XXXX of a debt that does not exist and lay claim to a property to which they do not have title ( XXXX XXXX XXXX XXXX XXXX ) and through a lawsuit to which they are not party. 
It is my belief that XXXX and XXXX XXXX along with XXXX XXXX and XXXX XXXX have conspired to commit fraud. They have used trickery through numerous legal documents and signatures from three different business entities to deceive Judge XXXX XXXX in the XXXX XXXX District Court. At not time did I ever receive money from XXXX and XXXX XXXX as stated by their fraudulent Promissory Note dated XX/XX/XXXX. They are engaging in a hoax to manipulate and deceive a District Court Judge through the Special Master, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing because as a client of XXXX XXXX XXXX, XXXX. and Quality Loan Service Corporation they claim to be able to have the right to foreclose by the California Declaration ( Civ. Code 2923.55 XXXX b ) ( 2 ) ). Their reason for this decision in the letter happened because they have already contacted the borrower to assess the borrowers financial situation and to explore options for the borrower to avoid foreclosure in accordance with the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). However, prior to this letter I, the client, XXXX XXXX XXXX have sent out three previous Request for Mortgage Assistance Applications to XXXX  XXXX XXXX, XXXX, and Quality Loan Service Corporation in the result of having the only option to Short Sale. These Request for Mortgage Assistances which I have sent out in the past have also contained all of my contact information needed to be able to discuss the matters on my current finances, which concludes that there is no excuse to the absent amount of information needed to contact me on such matters. To conclude, the letter of California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) is in short, void because XXXX XXXX XXXX, XXXX, and Quality Loan Service Corporation was able to make initial contact with me and explore more options with me, XXXX XXXX XXXX from the time I sent out the first Request for Mortgage Assistance. 

Also, the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) they used was signed and dated on XX/XX/2019, which can not be used for my current Notice of Default which is dated XX/XX/2019. Therefore meaning, that both documents together are not legal and are void to continue forth with the procedures of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with this company therefore I am not reliable for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/XXXX and XXXX, my credit care was used to make four purchases totaling {$410.00}. 

I had not used the card prior to the day before when I used it to have repairs done on my car at the XXXX dealership. And then the next day, these other charges appear. Citi flagged the transactions as fraud, and we closed the account. I was told the charges would be submitted as disputed. 

When I went to pay the bill the next month, the charges were still there. I called to ask what happened, and they hadn't even opened the dispute. I asked them to, they did, then a week or so later I got a letter that said the dispute had been closed because they did not get some information they needed. This was after I'd answered the same battery of questions on the phone twice. 

I called back and complained and they reopened the dispute again. Now, they have determined that the charges weren't fraudulent and have accused us of theft. I did not make these charges. My husband who's an authorized user on the account did not make these charges. Citi even flagged them as fraudulent, which is what started this whole thing. How are we now being held responsible for them? I can not prove a negative -- we destroyed out cards as instructed when the account was closed. I can't prove anything now, and am on the hook for money that's a big deal for me, but chump change for a mega-corp like Citi -- which I don't doubt will have to be bailed out by me, the taxpayer, at some point in the future. 

I will never bank with Citi again, that's for sure. I will be closing both accounts as soon as humanly possible. But how do I get the {$410.00} in charges I DID NOT MAKE removed from my account? I've been a Citi customer -- one of their premier members or whatever they call them -- since XXXX. This is appalling customer service. 

It's also worth noting that the actual money I'm going to be out here is well more than the $ XXXX.I 'm a self-employed small business owner. My time is valuable. But Citi has wasted hours of my time on this dispute with multiple phone calls and putting me on hold for 20-30 minutes at a time and then giving me this run around. And those calls -- they have all had terrible sound quality and people who clearly don't speak to each other and barely can communicate to the customer what's happening. This is no way to treat honest customers who pay their bills on time.

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 2021-10-21
Company: RMS-Recovery Management Services, Inc.
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
RECOVERY MANAGEMENT SERVICE***** ( Original Creditor Name XXXX XXXX XXXX ) Opened XX/XX/2020 Balance {$2700.00}

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 2020-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of a scheme where I was hired as a personal assistant and unknown to me, I was given fraudulent checks in XX/XX/2020. Citizens Bank cashed and accepted these checks without verifying the checks. When Citizens Bank did finally realize these checks were indeed fraudulent it was the end of XXXX/first-second week of XXXX. 
The bank did not notify me that the checks were fraudulent. I simply checked my account and saw a negative balance. 
I went to the Police Department in my town and my local bank branch. I have receipts, tasks, emails, texts messages showing that I do not have the money shown. 
Citizens Bank refuses to address this issue with me and close my account. They denied me access to the account, but took my federal tax refund. They refuse to file a claim and refuse to work with me in anyway to resolve this issue. 
I have not been contacted by their legal counsel or fraud department. After many phone calls to Citizens Bank, now XXXX, no resolution, and my amended refund is about to be seized by Citizens Bank, even though they will not allow me access to the account. 
I was unable to update my account information on my amended tax return this resulting in the refund to go into this account. 
I called Citizens Bank immediately just to receive 5 different answers on whether or not this refund will be seized. I expressed that during this time of pandemic and emergency and being out of work that I need this money and these tactics are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NC
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:
I am a victim of identity theft. The information listed in this report has no relation to me. I have been unable to obtain more credit because of this unfortunate situation. I have contacted each creditor and they have failed to provide me with any documentation with my wet signature stating that I owe a debt to any of these companies. Under FCRA 609A, they have failed to verify any of this information. UNDER FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS REMOVED IMMEDIATELY. FAILURE TO COMPLY WILL RESULT IN A LAW SUIT AGAINST ALL PARTIES INVOLVED, INCLUDING ANY AGENCY reporting inaccurate information to my credit profile. 

PLEASE REMOVE THE FOLLOWING INFORMATION : XXXX XXXX XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my Experian report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : XXXX*An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX   XXXX  authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my 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 non-monetary relief
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted my ENTIRE information file needed for my business ' PPP loan VERY early. However, the support of my file has been very unresponsive. I finally received an electronic document in the XXXX filed which only asked me for information that was already submitted! There is no phone number to reach, the chat in the platform doesn't even work, and there is no email. This shouldn't be this hard with a large bank like Bank of America.

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 2019-09-05
Company: Tribal Lending Enterprise, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received a letter from Golden Valley lending of XXXX XXXX XXXX California stating that I had taken out a loan and that said loan was in default and that I needed to make a payment or they would turn it over to collection. They also claim that they had sent other letters to me that I ignored Letter also stated that if I didnt contact them within 30 days they would consider this loan as valid. After numerous attempts to resolve this issue without disclosing my personal information I feel I must turn to you for help. I dont feel that I should reveal my social security number to a company that Ive never heard of let alone done business with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX  has me with a final balance that falsely includes the fee of an un-returned router that has been confirmed as returned by a  XXXX  rep via email correspondence. The balance that has been reported on my credit report 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 explanation
Consumer complaint received 2021-05-07
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my third complaint on Compass bank ... Once again compass bank customer service is horrible. I want proof of payment! I am not going to take your word that the payments were posted without showing the amount! These transactions should be posted regardless of what the amount is! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX ( {$150.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$150.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

Compass bank said : Because the funds were posted along with previously unapplied funds, the transaction amount listed on the transaction history reflects the full amount of the payment that was posted at that time. 

This statement is unacceptable! What kind of bank does not show posted transactions? I am going to continue to file complaints until Compass bank posts all of my transactions! Once again I am not taking compass bank at their word. Show me the transactions on my history. If this is not settled I will report the three checks as fraud! 




XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Conserve debt collection agency set me up on a payment plan to get my student loans out of default. I had to make 11 consecutive payments, then my account would be sent to a company and would be in good standing again. 

I gave Conserve authorization to do automatic debts from my checking account. They took it out twice a month on my pay days. On the last month they didnt take my payment. I contacted them and they stated I called and told them not to contact me anymore. That was a complete and utter lie! I was then told I had to start all over again and make eleven more payments to get out of default. 

I contacted the Department of Education and filed a complaint. I was told I would receive a response in the mail. I never received the response and was told they denied my claim. 

The fact that they must get paid for the money they bring into the Department of Education, is the reason they didnt accept my last payment. I want to be able to pay my loans off, but dont feel safe paying Conserve. I asked for another company to work with and was denied. Now my teacher salary is being garnished and Im being told I have to pay Conserve as well the garnishment from The Department of Education. I cant live like this and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Information belongs to someone else

Complaint:
I have reached out to Portfolio Recovery on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX  and XXXX. XXXX  removed it per my request and demand, however Portfolio won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, XXXX XXXX and then again by the collection agency, Portfolio Recovery. Portfolio Recovery fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

A copy of my photo ID has been attached. 
I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX, from a company named Afni, Inc. stating they represented another company by the name of XXXX. Afni, Inc is attempting to collect {$590.00} for XXXX. I wrote to this company Afni, Inc. in XXXX, XXXX on or about XX/XX/XXXX disputing this alleged account with XXXX of {$590.00}. In the original letter Afni , Inc. also states that the " original creditor '' is XXXX XXXX XXXX out of New Jersey. After checking my credit report Afni, Inc. has disregarded my dispute letter and reported this negative information to XXXX credit report. According to my credit report Afni, Inc. is not even listed as a third party collector nor is the " original creditor '' XXXX XXXX XXXX listed on my credit report. My credit report indicates that XXXX XXXX XXXX out of XXXX XXXX, California is the original creditor, not XXXX XXXX XXXX. I need answers from Afni, Inc. regarding whom they are representing and why this negative information is listed on my credit report because clearly, I notified Afni, Inc. in writing disputing in a timely manner. And Afni, Inc. needs to honor that they received this letter. The letter from Afni, Inc. is misleading. However, I never heard back from Afni regarding disputing or validating the alleged debt. I have never heard of or had any business dealings with XXXX XXXX XXXX & XXXX because I live in Texas. I have not lived at the address on the letter since XX/XX/XXXX but my mail was forwarded to me. Again, I am disputing this debt and requesting for Afni, Inc. to remove this negative information from my credit report immediately because Afni, Inc. clearly did not follow up with me and reported this negative information. In addition, I do not owe any alleged debt of {$590.00} referenced for collection. Also, as my right, I have no desire to work with any of the three collection agencies listed under any circumstances.

Company response to consumer: Closed with explanation