BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX Credit Card. Charge off date of XX/XX/XXXX. XXXX from XXXX XXXX XXXXXXXX to claim absolved debt as income for XX/XX/XXXX taxes. Form from XXXX XXXX XXXXXXXX was created XX/XX/XXXX.  Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.

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 2021-09-24
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I signed up for cell phone service with XXXX XXXX XXXX, but l couldn't get reception in the area l lived in. I am the sole caregiver and provider for my elderly handicapped mother and l can't afford to be without phone service. 
I forgot my pin # and was told to go to the store to reset it. I was told it couldn't be reset because the acc't was cancelled. The acc't was cancelled and l was given a no. to call. I talked to XXXX XX/XX/XXXXand was told l would receive a call from management within 48 hours. I never received the call, but XXXX XXXX XXXX billed me {$300.00} and turned me over to a collection co. How are they able to charge me for service that was never activated or used? l don't have all of the exact dates or names but l called several times and went into the store when instructed, but was basically given the run around. I never received an official contract, but i'm attaching the original bill of sale. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After refinancing my mortgage in XX/XX/XXXX with the company, I was making payments that should have been escrowed for taxes and insurance. Unfortunately they did not set up the escrow account. I had no knowledge of this until XX/XX/XXXXafter my had had suffered damages from hurricane Irma. When I called my insurance carrier they said I did not pay the premiums and therefore I am not covered. I immediately contacted my mortgage company the agent that wrote the policy and my mortgage broker. The employees of my mortgage company tried to tell me o was responsible for the house not being insured. I continue calling them until I found someone XXXX XXXX who was willing to listen and research what had happened. 
Because the house was not insured, the mortgage company placed a forced placed policy on the house that had a ticket price of over {$8100.00}. I continued calling my mortgage company and had no success. After much research into the company I was able to find the names and email address of management and emailed them and the consumer ombudsman. I decided to email them of my problem. Two months later in XX/XX/XXXX I received a call from an XXXX XXXX who identified himself as the owner of the company. I was also in communication with an XXXX XXXX. I was told that I should not be held responsible for the lack of action on the part of the company and would not be responsible for paying the forced placed policy. I was billed for over {$6700.00} putting my escrow account in the negative as a result. The mortgage company had scheduled an assessment of my damages and it came up to {$10000.00} and change. After numerous emails and phone calls to the mortgage company I got them to agree to give me the difference of what my deductible and the $ XXXXso I can get the repairs done and secure my own insurance. The approval of the checks took months, thus delaying the repairs and my ability to secure insurance so the forced place policy that did not cover me and my belongings could be removed. They sent the check in XX/XX/XXXX for a little over {$3100.00} I worked with a general contractor for the repairs done and obtained insurance in XX/XX/XXXX. I do not think it is fair that I should pay the {$6700.00} and change for the premium since they initially agreeed it was their mistake. And now I am in touch with XXXX XXXX and she said that was never agreement made. She is claiming the {$3100.00} check was to help with insurance when that was solely for the claim that was processed for the repairs. I told her if my original policy would have been a set amount I understand I needed to pay that bill me for that but the mortgage company need to own their part in the fiasco. I should not pay for their mistake. I would like a refund for the forced placed policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware of this collect account upon reviewing my credit report I was never notified from the company about an owed balance. I did contact the creditor by certified mail to inquire how the debt was acquired and request proof that I was indeed the responsible party for the balance in question. In response to my letter I received a billing statement from Credit Systems International with a billing statement that included two charges ; {$8.00} transfer fee and also a {$6.00} transfer fee totaling the {$14.00}. Included in the the cover letter there is a doctor 's name that I have never been a patient of, I've had the same physician since I was a child. I hope that with this complaint I will be assisted with removing this false account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Ricart Financial Services
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
An old debt from 2011 I have no clue what it is about they are gon na garnish my wages at 25 % I get paid every week. I cant afford that I will be homeless then jobless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CITIBANK, N.A.
State: NY
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:
Creditor is Citibank. Creditor is reporting false information on my credit file with all 3 credit reporting agencies. Creditor is reporting " Credit line closed / not paying as agreed '' this is not true. I closed this account because of billing overcharges I was getting so I decided to close this account.

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 2021-04-30
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PARAMOUNT RECOVERY SYS is claiming that I owe them {$630.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, Midland XXXX is fraudulently misrepresenting themselves to be the " assignee '' of XXXX BANK, when in fact they are just debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, 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 am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX Equifax and XXXX investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per Trans Union XXXX and XXXX investigation.

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 2021-02-28
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account can not be Linked with the bank and withdraw cash, and I have contacted the PayPal customer service representative many times to solve the problem. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Friday, XX/XX/2018 I was making a payment online for {$1300.00} on my American Express credit card. Mistakenly I added a zero and made it for {$13000.00}. I did not catch this until Monday XX/XX/2018. Called American Express, talked to a rep that said the only way for the refund was to mail a check or wire transfer. I am suppose to get the difference of {$11000.00} and leave {$1300.00} on my account as payment. I opted for the wire transfer. He said it would be 3-5 days. When 5 days was up, I called back to see why it hadn't come to my bank and I was told 7-10days. When 10 days was up I was told that the funds had to be verified. They verified the funds were taken twice during the 15 days I have been trying to retrieve my money. Now, i must say, there wasn't {$13000.00} in my account so it bounced back 2 days after the initial payment. Then they retook it again and at that time there was {$13000.00} in there on XX/XX/2018. I call every day, several times a day ( 3-4 ) and get a different answer from different people after continuosly being transfered to different departments. In talking to a manager on Friday XX/XX/2018, he said let 's do a check and it will definitely go in the mail today. Called Monday XX/XX/XXXX and Tuesday XX/XX/2018 and was told the case was reopened? I have no idea what that means. I talked to 7 different people on Tuesday XX/XX/2018 from XXXX - XXXX ET. Was told by XXXX they would overnight mail a check to me by Wednesday XX/XX/2018. Needless to say I have requested 5 times for an overnight mailiing and was told there is no way to do that. Now all the sudden they can. 

I have been a member with American Express since XXXX and always paid on time and way over the minimum payment due. I can't believe this is how they treat their customers. This wasn't just {$100.00} overpayment. This is {$11000.00} over payment that I have been trying to get back for several weeks now. I have been without any ready cash all this time and alerted my bank about the situation. They were kind enough to waive any and all overdraft charges. 

Unfortunately, I am going on an already paid for cruise on XX/XX/2018 and have no cash. Please help me in making sure this does not happen to anyone else and that American Express executives are aware of the poor customer service I have received. 

As of now, I still do not have my over payment back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had to chose something to move forward. Select portfolio does not call before XXXX XXXX. This morning they called at XXXX. Again Select Portfolio is playing games. This is not a revolving credit account. They are a debt collector for my 2nd mortgage.They have a call center in XXXX XXXX XXXX with employees that give wrong or misleading information. Their Loss mitigation department responded to you with inaccurate information. I received a letter dated XX/XX/XXXX asking for even more documents ( the list keeps growing ). In addition to their response to CFPB they now want pay stubs ( which I have none as I'm unemployed and have already sent the my bank statements and letters from the Ga. Department of labor ) ; and a letter from my homeowners association showing what I have paid and the frequency of my payments and schedule XXXX from my tax return for XX/XX/XXXX. The loss mitigation department did not address the fact that their call center employees tell me things that are inaccurate and misleading. Obviously they don't care about the CFPB otherwise they would have clearly spelled out what was needed when they responded to my prior complaint with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: BAY VALLEY MORTGAGE GROUP
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 XXXX XXXX  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. XXXX XXXX   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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Fraudulent Loan. Consumer signed a Negotiable Instrument ( Promissory Note ) which is Legal Tender and for the total payment for the Vehicle in FULL. Credit Acceptance Corporation had Consumer signed a Promissory Note on XX/XX/XXXX and asked Consumer to signed another agreement in XXXX / XXXX of XXXX for the same vehicle with an additional Promissory Note, in which was tendered electronically so that consumer could not properly endorse the NOTE " Pay to the Order of the United States of America without Recourse '', making consumer the " Holder in Due Course '', " The maker of the Note '', and a " Real Party in the Interest '' to said property. Company refused to settle this FRAUD and tried to repossess ( STEAL ) the vehicle after consumer refused to continue making FRAUDULENT PAYMENTS in FIAT DOLLARS ( Federal Reserve Notes ). Company sent a UniLateral Contract signed only by consumer which does not constitute a Legal Contract under Uniform Commercial Code.

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 2017-09-06
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This company allows loans to be modified without all borrowers knowledge. The deed was swindled out of one owner and the company changed the terms per the deed but wont release the other party who had no knowledge of changes from financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have already contacted this bureau about this debt. This debt problem is on a previous complaint that I submitted to this company about three months ago. The company in question was XXXX XXXX. XXXX answered my complaint. Now I am going after the company that XXXX sold the debt to. This company is XXXX XXXX. They continue to call and harass me about this old debt - 11 year debt. I never take the calls. They always leave a message, saying that they are trying to collect this debt. They have called about twenty times, perhaps more. I mentioned this company in my complaint to XXXX, hoping that they would get the hint and they did not. They continue to harass me about this eleven year debt.

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