BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
Company: MRS BPO, LLC
State: ME
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:
In XX/XX/XXXX I received a letter from a collection agency XXXX   XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : XXXX XXXX, regarding an amount owed of {$80.00}. As the only account I have ever had with XXXX was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted XXXX XXXX and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at XXXX, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a MRS BPO LLC agency ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or XXXX credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from MRS dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from XXXX indicating no change to collections balance. I was transferred to XXXX credit who could no longer locate the account to investigate further. XXXX then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with XXXX initially. At this point XXXX gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from XXXX via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by XXXX would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother helping figure out how to resolve this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Aargon Agency, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Will not update report status as paid in full

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 2017-07-28
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter certified mail to NCAC to valid debt in about of {$740.00}, NCAC responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to NCAC certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original clienXXXX XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2020-02-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I expressed to Prestige financial that I lost my job about would need assistance with the XXXX payment of {$390.00}. I was advised that I would be able to pay a reduced payment of {$190.00} for XX/XX/2020. I called in and paid {$200.00} to them on XX/XX/2020. On XX/XX/2020 I began to get countless of harrassing phone calls and e-mails from them about when I can pay my XXXX payment which is not even due until the XXXX of XXXX! I have told them on numerous of occasions to not blow up my phone like this. They also stated in one email that I owed $ 600+ which is inaccurate and is confirmed through an email through them stating I was current in my payments. For some reason they are claiming I owe {$73.00}? How could this be possible when they stated I could pay {$190.00} for XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During XX/XX/XXXX, I received a derogatory letter from the company regarding a debt that should be paid off. I requested validation of the debt in XX/XX/XXXX, which the company responded promptly, but did not properly validate the debt. The company only sent a letter that they had purchased the debt and provided a contract, but no itemized payments and other pertinent information to help me determine the validity of the debt especially during an environment of increased scams. In my initial request for proper validation, I requested that the company only communicate with me in writing via U.S. Postal Mail, which they violated my right by sending me a text message in an attempt to collect the debt. 

I again, sent them a second letter in XX/XX/XXXX, requesting proper validation, outlining that what was received did not properly validate that the debt is actually owed and if they could not, they were bound by federal statutes under the FDCPA, FCBA, FCRA to cease and desist in their attempt and remove any negative reporting to the Credit Reporting Agencies. Again, my second request asked the company to only communicate with me in writing via U.S. Postal Mail, which the company sent me another text message in an attempt to collect the debt. I have attempted to secure the necessary information to determine the validity of this debt including proof of payments, but the company continues to not properly validate the debt. 

I have attached the following to this complaint : 1 ) My 1st validation request letter. 
2 ) My 2nd validation request letter. 
3 ) The companies 2nd response to my 2nd validation request, which mimics their 1st response to my 1st validation request. 
4 ) Images of the text messages received showing day time stamp of receipt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX  : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-01-21
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received a letter from Citibank rejecting an application for obtaining an account. I did not apply for the line of credit. I called Citibank but they are not interested in helping me unless I provide my SSN #. I do not want to supply info to Citibank because I have no known accounts and don't even do business with them. There is a reference number on the letter but they will not pursue unless I divulge my SSN #. I am afraid this activity will adversely affect my credit information negatively. Please advise. I enclose a copy of the letter from Citi. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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
Consumer complaint received 2022-01-21
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
US Bank closed my account which included checking & credit card for alleged suspicious activity. They WILL NOT tell me when I can get the money from the checking account because " they are investigating a wire transfer into the account ''. The wire transfer came from my account at XXXXXXXX XXXX which had sufficient funds to send. I am concerned they are conducting a " XXXX inspection '' a la " Days of Thunder '' movie referring to XXXX inspection practice of leaving product they don't want to let into the country sit on the dock & rot. 

It has been over 30 days since I was denied access to all my accounts with US Bank & have received NO COMMUNICATION AT ALL from them. My repeated calls to the bank have been referred to a young lady named XXXX phone number XXXX ( XXXX ) XXXX in the fraud department, her working hours are from XXXX XXXX. to XXXX XXXX. XXXX  thru XXXX  PST according to her voicemail greeting. I have left SEVERAL messages on her voicemail with my name, phone number & requests for a call back but have yet to receive any response at all. The " bankers '' I have spoken with say there is no escalation process for them to follow when a customer seeks further information on ANY ISSUES WITH THEIR ACCOUNT. 
I need the money in that account to pay bills that are now overdue & accumulating late fees quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-09
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$320.00} XXXX XXXX XXXX XXXX XXXX  : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$770.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2023-09-30
Company: CAVALRY INVESTMENTS, LLC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to file a formal complaint against Cavalry SPV I , LLC a debt collector that has been engaged in troubling and unlawful practices in their attempts to collect an alleged debt in the sum of {$2100.00} from me. I have experienced multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), and I believe it is crucial to bring these issues to your attention. 

1. Lack of Validation : I have sent them several validation of debt letters requesting them to validate the debt but Cavalry SPV I , LLC has failed to provide me with proper validation of the debt as required by the FDCPA. Despite my numerous requests, they have not provided any documentation or evidence that validates the existence and legitimacy of the alleged debt. Instead, they have repeatedly sent account statements without supporting documentation. The balance of the debt is incorrect.

2. Absence of Original Documentation : I have specifically requested that Cavalry SPV I , LLC provide me with the original contract or agreement containing my signature, which is essential for me to assess the accuracy and validity of the debt. They have refused to furnish this documentation.

3. Threats of Legal Action : Cavalry SPV I , LLC has also made threats of legal action against me, including the threat of filing a lawsuit, without first providing the necessary validation of the debt or the required documentation.

These actions by Cavalry SPV I , LLC not only constitute violations of the FDCPA but also create undue stress and XXXX  for me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my AmExp credit card a couple of days ago and suddenly got an email from them today that they took my bonus miles away. I called them and was told that I was supposed to keep the credit card for at least one year. However I was never told about this requirement either when I opened the account or when I closed it. Otherwise I would have done it differently. This was a scam, trying to sign up consumers without informing them about all the fine prints. It's wrong. They should not reverse my bonus miles that were given to me several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I sent out multiple letters showing I was involved in a Identity Theft. I asked for the incorrect information to be removed but there was no action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a fraudulent debt that was not originated by me. I feel taken advantage of as this fraudulent account is damaging my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother, in XX/XX/XXXX took out a 30 year loan with XXXX XXXX XXXX Bank for XXXX with a 6 % interest rate. In XXXX, 32 years later, when I sold the property, the payoff on the loan was XXXX ; not even half of the loan was paid off. Included in the payoff was an inferred interest of XXXX. This was the reason for the initial inquiry requesting the loan history transcript ( LHT ). As the administrator of the estate and successor of interest to the property I felt obligated to find out the reason for the remaining payoff and inferred interest. 
The loan originated with XXXX XXXX XXXX Bank in XX/XX/XXXX. In XXXX XXXX XXXX XXXX Bank merged with XXXX XXXX XXXX. In XXXX XXXX merged with Sterling National Bank. XXXX, Sterling National Bank is the custodian of records and should be able to provide the requested LHT and any other documents related to the loan. 
My first request for the LHT was in XX/XX/XXXX. Sterling National Bank acknowledged the receipt of my request and further stated that the inquiry was being referred to the appropriate area for review. Sale of the property was pending closure so I tendered the requested payoff amount not to hold up the sale of the property. My intent, was once I received the requested LHT, it would either prove up the accuracy or inaccuracy of the payoff balance as quoted by Sterling National Bank. Thru the following months, I made 8 different requests for the LHT. Each time, I was sent some sort of document : the satisfaction of the mortgage, the payoff statement, 2 years of the loan history transcript, the deed, etc. Never, was I sent the full LHT as requested. 
Frustrated, I asked my estate attorney for help. In response to my attorneys demand for the LHT, a written response was received from Sterling National Bank XXXX Department. The Escalation Analyst provided the LHT from XXXX thru the payoff date of XXXX. In addition, the response stated that Sterling National Bank does not have payment history copies prior to XXXX. Unfortunately, the LHT that was provided does not tell me what happened to this loan. It doesnt explain neither the large payoff amount nor the inferred interest. What it does tell me is that my mother paid her mortgage each month. It does not explain the discrepancy which was the impetus for my initial inquiry. 
I believe Sterling National Bank does indeed have the previous 15 years but chooses to withhold because there has been an egregious error. 
As previously stated, the loan originated with XXXX XXXX XXXX Bank. In XXXX, XXXX XXXX XXXX acquired XXXX XXXX XXXX Bank. In XXXX, Sterling National Bank acquired XXXX XXXX XXXX That said, Sterling National Bank is the custodian of records of the loan from its inception date of XXXX thru the payoff date of XXXX. According to Federal Regulation Z, Truth in Lending, Sterling National Bank should have all documents relating to the loan and should have the LHT for 36 months after the payoff.

Company response to consumer: Closed with explanation