BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with the PHH mortgage Corporation, their payment processing center is based in XXXX, PA. Their mailing address is PHH Mortgage Corporation , Mortgage Services Center , XXXX. XXXX XXXX, XXXX, PA XXXX. The problem is this I have been sending my payments each month in the form of money orders to this address and it always reached on time for the XXXX of each month and even before that. Recently as far back as XXXX, 2018, they started sending me late payment notices stating that my mortgage payment was late, and imposed a fee of {$31.00}, whenever they claimed it was late. However, I send in my mortgage payment by theXXXX of the previous month for the next month to ensure that it is on time. E.g. on XX/XX/2018, I mailed the payment from my neighborhood in XXXX, N.Y., for XX/XX/2018. I went to my post office to find out how long it takes for a letter to reach Pennsylvania from XXXX, N.Y., the clerk told me it takes 2-3 days for the most, and look how many days in advance I have mailed the payment. Also I include {$20000.00} extra each month to lower the principle, so I believe they are deliberately holding back my payments to give me a late charge! In previous times, they have taken

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: TX
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 below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXXXXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX have notified me that they have communicated to you to delete 2 accounts in the amounts of {$310.00}. Yet you are still reporting them on my credit file. If these are not removed I will be definitely be forced to sue. How can you report something that even XXXXXXXX XXXX have deemed to not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Systematic National Collection, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt reported on my consumer credit file from SNC inc that although I have disputed and asked them to verify or validate, the company refuses to do so. I have asked for documentation, an affidavit, an itemized list whereby I may draw some information and the company refuses all attempts by myself to comply. 

I am asking the CFPB to intercede on my behalf and get the company to comply with my request and provide documentation under the FCRA laws. They are very good about stamping it FCRA compliant but have yet to actually comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On X/XX/2017, I sent a letter to XXXX, XXXX, TransUnion to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated 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 explanation
Consumer complaint received 2017-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I had a XX/XX/XXXX report at XXXX with XXXX XXXX XXXX, then in XX/XX/XXXX I tried to open a business account at Well Fargo where I was a secondary signee.
The account was opened and after a few days it was closed because of the XXXX record. I did not have 7 days with the account and no transactions were done. Wells Fargo also kept the {$100.00} dollars I opened the account with.
After I was denied opening a business account at Wells Fargo onXX/XX/XXXX I requested a report and this is what I found : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause.
Wells Fargo has created a file just because I tried to open an account, I have done nothing to defraud anyone, ever.
The XXXX record with XXXX XXXX XXXX was due to overdraft fees from a payday Loan company that stubbornly kept doing the check presentation even after I talked to them about my situation to make an arrangement.
I am not a con man or a schemer. I just fell in a long unemployment period, which last time I check it is not a crime.
The XXXX XXXX is lazy. Everybody is thrown into a pool with the criminals and the XXXX XXXX of this world. Who is going to fix this system?
I request that these reports should be totally purged from my file. I have been delivered an economic XXXX XXXX, and possibly an employment opportunity just because of unemployment.

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 2018-02-23
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
I have Compass credit cards counts that should show paid to XXXX one of them is closed the other is still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Over the last three years I had gone through financial hardship, and was struggling to keep my business afloat during from XX/XX/XXXX. I missed a few car loan payments because I had little to no income to pay down the vehicle loan. 

I took the necessary steps to get back on my feet and ended up resolving this financial hardship by closing down the business and gaining full-time employment as of XX/XX/XXXX. My salary is now six figures, which is more than double what I was making when I originally filed for the car loan in XXXX. The interest rate I'm currently paying today is way too high. Even though I requested a few times over the past two years to lower payments, the request was understandably denied by the loan company. 

This caused me to make more and more late payments and pay down whatever I could whenever I could afford to do so, including the additional late fees and penalties. In total - I was late on 14 payments over the last 4 years, however, have gotten back above water and am now in good standing with no threat to be late again. I might even be able to pay off the entire loan balance ahead of schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting repeated phone calls from portfolio recovery from several different numbers all hours of day and night. XX/XX/XXXXXXXX again at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. They do not identify themselves when they call, they will not state the company they are calling from without an argument and are telling me that they want to collect on my XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX in good standing and tell them I do not owe XXXX XXXX any money they claim its an old debt. I tell them that I do not owe and they get beligerent so I get beligerent back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Professional Debt Mediation, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2018- Consumer Reporting agencies sent most recent 'credit report ' and Professional Debt Mediation was/is fraudulently reporting that I owed them a debt. Accordingly, I sent a letter to dispute the legal authority of their alleged statement of debt ; and to request a contract between Professional Debt Mediation and myself, which will show that I was in breach and had a duty to pay them. 

On XX/XX/2018- Professional Debt Mediation sent a response, yet in these letter ( s ) failed to show their original contract to show I had a duty or was in breach thereof, nor any court order to authorize them as being a party of interest to whom a debt is owed. 

It appears that Professional Debt is in violation of Missouri State Law which has statute of limitations ( RsMO 516.120 ) on filing a suit for any alleged debt AND Missouri 15 CSR 60-8.110 ; and is committing unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: PLANET HOME LENDING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every since I paid my escrow shortage in full ( {$2400.00} ) on XX/XX/2020 PHL disbursed my escrow money as payment instead of putting it in escrow. Now my mortgage account is messed up causing PHL to put a negative score on my credit report and sending out default notices and harassing frequent phone calls. I have never been late with a mortgage payment as of date. I have contacted PHL via phone-email with each representative expressing the account is being fixed. It has been four months and my credit scores has been trashed. ( XXXX dropped 77 points- XXXX   dropped 90 points and XXXX XXXX XXXX points ) Again, I have never missed a payment and paid my escrow shortage in full but my credit score has dropped because PHL reported that I have missed payments. Tired of receiving default letters and harassing phone calls daily because THEY can't keep their accounting straight. I am being charged unnecessary late fee and now I am trying to sale my house and they are implying I owe them back payments which I do not. I have filed complaints with XXXX of CT, NY Department of Financial Services and the Mississippi Department of Banking and Consumer Finance.. Can you please help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: NPAS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a follow up complaint to XXXX-XXXX, in which 1 ) NPAS, working on behalf of XXXX XXXX XXXX, claims I never revoked TCPA consent and 2 ) XXXX XXXX XXXX, collecting on behalf of XXXX XXXX XXXX   contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with NPAS on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with NPAS which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that NPAS was managing and collecting on both accounts, but XXXX XXXX XXXX spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX XXXX and placed with XXXX XXXX XXXX, NPAS 's failure to honor my revocation resulted in me being contacted illegally by XXXX XXXX XXXX via autodialer on XX/XX/2018.

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 2018-09-09
Company: EQUIFAX, INC.
State: TX
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 mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently received a debt collection from XXXX, XXXX XXXX XXXXXXXX XXXX XXXX   concerning a Discover Bank debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from Discover bank * A copy of all attachments has also been mailed out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Complaint - " The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/XXXX.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them. '' On XX/XX/XXXX, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED with a remedy, of closing the account and contacting the credit bureaus, that FAIR COLLECTIONS AND OUTSOURCING INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. 

FAIR COLLECTIONS AND OUTSOURCING INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " The account was assigned to our office on XX/XX/XXXX from creditor XXXX XXXX / XXXX XXXX XXXX & XXXX. Creditor maintains ownership of the account. Our office is a third party retained by the creditor to attempt to collect on their account. The debt is owed to the creditor. '' This is my second contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED in an attempt to give FAIR COLLECTIONS AND OUTSOURCING INCORPORATED a chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX XXXX / XXXX XXXX XXXX & XXXX ; thus, XXXX XXXX XXXX ' contract would not be with FAIR COLLECTIONS AND OUTSOURCING INCORPORATED, but with 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 2020-10-13
Company: Service Finance Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Thiis installment loan was for the purchase of an HVAC in XXXX. My wife and I are borrower and coborrower on the account. In XXXX she alone filed for bankruptcy and the statements were no longer sent to her. Instead of send them to me as the coborrower they did not send any at all. They have put a 90 day late/charge off on the account, though they listed 30 day late in XXXX, no data on the credit report for XXXX. Theyve listed the account as charged off, but we have a letter stating the account is paid in full and they agreed to settle. The credit report also states the original balance was {$14000.00} and written off was {$14000.00}, but again we have a letter stating the account was paid in full..so there is no charge off. We also have payment history and receipt of the final payment of {$7000.00} on XXXX XXXX. So, clearly the information is incorrect. They did not report this payment, and just reported this account as closed. We have disputed this several times, but it has yet to be corrected. We need the charge off to be removed completely from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Chase XXXX XXXX credit card from Chase. A few months ago, Chase made a materially adverse change to the credit card 's terms. 

Specifically, Chase limited the number of guests allowed with the XXXX  XXXX airline lounge benefit and also disallowed points earning on the {$300.00} in travel charges each year that normally result in travel credits. 

Under the terms of the agreement, I could refuse to accept these changes - which I did. I called Chase to request that my card type be changed to one without an annual fee and that the annual fee be refunded. 

Despite making this request 4-5 times, the request was not processed. I finally escalated my request to a supervisor and it was processed however the annual fee refunded was pro-rated as of the date the change as made where as, under the terms of the agreement, I was entitled to a full refund of the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I disputed a charge of {$520.00} from a vendor that rented me an apartment for a vacation rental. Barclays has never addressed the points of my dispute. Instead that just keep saying they can't override the vendor terms and conditions that I agreed to. But, they have never provided proof that I agreed to the terms and conditions.

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 2020-02-03
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was enrolled with freedom financial and one account for XXXX  XXXX XXXX was so called settled. Started XXXX. I left the program in XXXX. Bankruptcy was completed and the whole amount was included. A check was sent to their address from third party XXXX ( XXXX ). I never received it .so I need an audit based off of the complaint against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Northland Group Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was settled today for {$3500.00} and this matter needs to be closed at XXXX XXXX  and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have fought this for months with the credit agencies, this debt doesn't belong to me. I do not owe any apartment complex this company has the wrong XXXX XXXX

Company response to consumer: Closed with explanation