BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX,XXXX, I filed a complaint with the BBB regarding the collection company Portfolio Recovery Ass. in regards to validating a debt that was said that was owed in the amount of {$460.00} to the company. The BBB sent the complaint to the company and the company stated that they sent me validation of the debt, in which they did not. On XX/XX/XXXX, I sent another validation letter to the company asking for specific information regarding this account. I am not sure how this debt was able to be reported on my credit report without proper and accurate information. This company is clearly in violation of the law, so if this company can not provide the proper documents needed to verify this debt, then this debt should be removed from the 3 reporting bureaus. The reporting agencies has to report accurate information on every consumer reports and if not it should be removed. This inaccurate reporting has hindered my credit for a few years now and I have suffered enough and I want this inaccurate information removed from all 3 reporting agencies. In this complaint, I have included the complaint documents sent to BBB as well as the letter that sent from this company regarding validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: JPMORGAN CHASE & CO.
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:
Because I have been suffering from identity theft, I have been working with CRAs to remove all of fraudulent accounts that were made by the crime. 
XXXX and XXXX XXXX found all accounts that I have reported to be fraudulent were involved with the identity theft, so they have successfully removed all of negative accounts. But the XXXX is continuing to report one account from JPMCB CARD. As a credit reporting agency, they must delete and block such fraudulent account if the account was created by identity theft. I have submitted all the necessary supporting documents to them to notify them what my position is in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CL Holdings LLC
State: CA
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:
XXXX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT XXXX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. JEFFERSON CAPITAL NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
XXXX IS IGNORING MY REQUEST, JEFFERSON STATED THEY ARE NOT REPORTING BUT XXXX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In a current an Oregon Judicial Foreclosure and a new party XXXX XXXX , XXXX XXXX, inserted themselves into the case fore which they have never communicated with me before this case, as I am requesting through the attorney of record for an address for the company as well as an agent for service of process, wherefore they have no offices in the state of Oregon and he is not forth coming with the information. 

The attorney claims that they are getting their information in regards to the case from another company Ocwen, yet I have never received any communications from that company either. 

The attorney is also claiming that the Uniform Interstat Deposition and Discovery Act is not being followed, yet if I am unaware of their location, how would I know? 

Case is in XXXX County Oregon Civil Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX  that the following account ending XXXX is accurate and factual. According to 15 usc 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I feel like Im being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.

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 2017-09-30
Company: EQUIFAX, 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:
I have disputed an unverified account with equifax and XXXX XXXXr. They have both refused to properly validate the debt which is a violation of the FCRA. This debt is unverified and not mine. I would like for equifax to delete any unverfied debt from my credit report. 

The supposed debt is with XXXX XXXXXXXX for XXXX. There is no contract between me and XXXX XXXXXXXX. This debt is not mine and should be deleted from my credit report. 

Equifax is also report 3 90 day lates when the account has be closed since XXXX. 

This is my final attemp to resolve this issue before I bring in an attorney to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: AL
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:
Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted two requests to Experian to verify and validate two charged off accounts appearing on my credit report. I have requested they provide me the copies of the original signed contract, all relevant account information, and the name of the person whom verified the information. The accounts are with XXXX XXXX and XXXX XXXX. My first request was submitted to Experian on XXXX XXXX, XXXX. Their response stated that the information reported was verified. I then submitted a second request on XXXX XXXX, XXXX and again the response only stated that the information provided was verified. These responses are inadequate under the FCRA as they failed to provide the requested documentation and method of verification. I request that Experian conduct a proper re-investigation and provide me with the information requested. I also request that Experian provide me with all relevant documentation they have in their possession and receive as a result of their re-investigation. I understand that Experian out sources all of their disputes to foreign contractors and they are given between 18 and 90 seconds to investigate disputes. This in and of itself is a violation of the FCRA in that a proper re-investigation is not conducted.

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 2021-12-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error for the purpose of this section a billing error consist of any of the following ; ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
There was no statement received 21 days before the allege debt was due. This alleged debt is showing as a positive form and amounts owed can only be displayed in a negative format not positive so there should be no late payments on this accounts. I demand to see hard solid proof from the creditors bank account that I did not pay and was marked late because this clearly a billing error. This is a Violation of the Law pursuant 15 USC Code 1666b under Truth and Lending. 
As a consumer by law this account on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am trying to refinance my mortgage. On XX/XX/2019, I contacted the collector, at XXXX XXXX, and was transferred to XXXX. I received a letter dated XX/XX/2019, which showed balance due was {$4900.00}. She insinuated they had no knowledge of that letter. I advised her I wanted to exercise the Lien Release Option. She indicated that wasn't their letter. I offered to settle the debt for {$7000.00}. She still indicated she had no knowledge of that letter and the amount due was $ 16,000+. The refinance company, XXXX XXXX sent Real Time Resolutions a payoff request, which they showed XXXX a payoff of over {$16000.00}. To the best of my knowledge and memory, Real Time Resolutions never officially advised me, via court filings, that there was a lien on my property. It only indicated that in the letters they sent. Now my refinance is more than likely lost to me because of this. They are unwilling to honor the letter of XX/XX/2019, and resolve the lien for less than the amount it secures ( the Lien Release Option ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a loan which is serviced by Selene Finance. I have requested on multiple occasions over the last XXXX weeks a pay-off request so that I can refinance. During this process, I became aware that a pre-payment penalty was added to my account which is not reflected in the original loan documents. I requested that the prepayment penalty be removed and sent in an initial mortgage statement to Selene. Now they are telling me that this statement is not sufficient. They tell me that they do not have a copy of loan documents and advised me to go down to the county clerk 's office to get a copy. I told them the clerk 's office is still closed due to COVID. Each day this goes on, I lose money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday, XX/XX/XXXX, Credit Collection Services contacted me via text message to inform me about a debt collection payable to XXXX XXXX for {$130.00}. I do not have any responsibility for the debt for the following reasons. 

1. There is no legitimacy to this claim. 

This bill concerns blood work that I neither consented to nor did I ask for from my former provider. I am working with the provider to submit documentation that this was in fact an error on their end. They have informed me that this will take at least 60 days from Thursday, XX/XX/XXXX. 


2. The notice was insufficient. 

I moved from the address that the notice was sent to in XX/XX/XXXX. I have since received mail from XXXX ( the biller in question ) to my new address this year, the address in this letter. So my new address has been on file. When I spoke with Credit Collection Services on Thursday XX/XX/XXXX, the address on file was still my previous address. I am not responsible for this. The first notification I received about this debt was on XX/XX/XXXX by text message. It is unacceptable that the first notification I received was by text message, once the amount had already been moved to debt collection. When I spoke with a representative from Credit Collection Services on the phone, she told me that phone calls had been made to my phone number and no voicemails were left because of privacy reasons, yet I received written notice via text message. This is inexcusable and invalid because negligence to notify me properly. I have not lived at the previous mailing address for over one year. There were clearly ways of notifying me by text message this entire time since the agency notified me that day. Still the agency has chose to predatorily hold me responsible for this debt by sending mail to an invalid address that I dont live at while having a current mailing address and email address and phone number on file with the biller. According to the Fair Debt Collection Practices Act, I must receive written notice with the following in order for the debt to be valid. 

- The name of the creditor - The amount owed- That I can dispute the debt and that if I dont dispute the debt within 30 days the debt collector will assume the debt is valid. 
- That if I dispute the debt in writing within 30 days the debt collector will provide verification of the debt - That if I request the name and address of the original creditor within 30 days ( if different from the current creditor ), the debt collector will provide me that information. 

Since the first notice I received of this was via text message and because it included none of the above other than the name of the creditor, this debt is invalid. Frankly, given how predatory this is, I get the idea that Credit Collections Services is taking advantage of me because of my young age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/2020, I signed a rate lock with Interactive Mortgage for a 15 year loan at 2.25 %. Prior to then, I explained to XXXX XXXX that I was waiting for rates to drop but he repeatedly promised and assured me that if they did, Interactive Mortgage would give me the lower rate because they would not want to lose me as a customer, they had sua sponte adjusted rates for other customers and would do that for me, etc. Thus, he induced me to sign the rate lock based on false promises. A few weeks later, we spoke on the phone and I explained to XXXX that I wanted to switch to a 30 year fixed rate instead of a 15 year. We never discussed the rate and no documents were provided to me. Several weeks later, the interest rates on Interactive Mortgage 's website dropped and a 15 year fixed was at 1.99 % while a 30 year fixed was at 2.375 %. Interactive Mortgage told me that due to my rate lock, they couldn't give me the 2.375 %. However, I never signed a rate lock on a 30 year fixed loan. The company went so far as to tell me the rate lock had been extended but I never asked for, or agreed to, any type of extension. XXXX said he tried to get an exception for me but when I asked him an exception on what, he couldn't explain. Interactive  Mortgage and XXXX are liars, and they make false representations to their customers as a bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo staff Ms. XXXX, Mr. XXXX, XXXX XXXX, XXXX XXXX and their XXXX XXXX XXXX, and XXXX  XXXX XXXX. Involved themselves in several incidents of fraud by deception. I have recordings and provided the attached documentation to Mr. XXXX prior to going to court. Mr. XXXX upheld the docs at the termination hearing. However, Mr. XXXX wasn't informed of what type of home I owned. Therefore t made me quite suspicious that he was stating before the court asking for early termination of loss mitigation? However, he was aware of what type of home I owned. 

Please see the attached correspondence for the explaination.

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 2017-07-05
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC bank has a practice of requiring all home owners to provide proof of insurance, that is n't unusual. The problem is that as a company they do n't accept e-mail ; at all. So once you have the proof of the condouminium hazard insurance, you are presented with roadblock after roadblock of why they ca n't take your information. Their website which supposedly you can upload the documents to ; does not work for ipads or cell phones. Who I ask has a desk top computer in XXXX? When you call the XXXX # to complain and ask if one of their representatives can call your condominiums insurance carrier on your behalf, they refer you back to the website which does n't work for uploads, and or a fax machine which no one has, and they repeat that e-mail is not an option. Beyond technical customer service issues, the crux of my issue is that they threaten to automatically charge me for {$200.00} worth of condominium hazard insurance repeatedly even though I 've given them the name and number of my condominium insurance. I have all of the information on e-mail, but again their company in XXXX, states they can't/wo n't accept e-mail. This is a scam against the poor. This is egregiously damaging both in the economic and time sense. Never before have I ever heard of a mortgage company not accepting e-mail documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX XXXX 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 an 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 2021-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021 and XX/XX/2021 the IRS deposited my Child Tax Stimulus Credit of {$250.00} into my WELLS FARGO checking account. At the time of the deposit I was told my account was my account was in negative status. My bank statements from these dates do not reflect negative status. Additionally I was in between Unemployment and Social Security direct deposits during both months. 

WELLS FARGO, without my request or permission refunded the negative balance that included overdraft fees for over XXXX total for both months. I had no idea this action was taken and more importantly did not ask for any refund to be credited to my account. In retrospect I would have preferred the account remain in negative status because in XX/XX/2021 and XX/XX/2021 I was receiving bimonthly unemployment compensation benefits. 

In XX/XX/2021 I was informed that my bank account would be charged over {$1000.00} for the month of XX/XX/2021 to allow me to use the monthly child tax credit of $ XXXX for XXXX and XX/XX/2021. I was told that the credits were issued automatically to allow families access to the child tax credit. 

The XX/XX/2021 action has left me without any money to pay for food, electricity or water for my child. The reversal of non requested fees or credits resulted in a {$1000.00} loss, my entire Social Security income deposited on XXXX XX/XX/2021. I have explained my situation to WELLS FARGO. I was told by WELLS FARGO management that there is nothing they can do to help me.

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