BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims been made by any creditor regarding this account. 
4. Any Judgments obtained by any creditor regarding this account. 
5. Name and address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I PAID OF MY LOAN, SENT THE PAYMENT VIA XXXX XXXX PNC BANK SIGNED FOR IT. AND TO DATE THEY HAVE NOT CREDITED MY ACCOUNT AND THEY STILL SHOW I AM DUE FOR MY PAYMENT AND THE BALANCE SHOWS UNPAID. I have called PNC bank several times and wait on hold they say for 5 minutes and in 5 minutes the message comes back that they are too busy to talk to me. this is rediculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I have recently been informed that there has been negative information reported by Wakefield and Associates ( based out of XXXX, Colorado ) to the Credit Bureau from the file they maintain under my Social Security number. Upon reviewing a copy of my credit report I see an entry listing that I owe {$1600.00} & a subsequent listing that I owe an additional {$230.00}. 

I challenge the accuracy, compliance and report-ability of these listings. Wakefield and Associates needs to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security Number and removed from my credit report. 

In the letter to Wakefield and Associates I provided 30 days to complete their investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I will meticulously be keeping track of all actions, including methods of verification, and how Wakefield and Associates would of accessed HIPPA protected information as a third party. 

In my letter I do not consent to E-Oscar or any other means of automated verification that has clearly failed Wakefield and Associates. Automation is the reason why Im having to waste my time, defending my name and reputation. The automated system has caused me to have to go out of my way and fix these inaccuracies and defaming reports, and will probably lead to Wakefield and Associates losing another law suit. 

If this matter is not taken care of within thirty days of my certified letter, it will result in a small claims action against Wakefield and Associates for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, HIPPA Violations, and the list goes on. 

Wakefield & Associates has a horrible reputation for their acrimonious actions on every platform. The Consumer Financial Protection Bureau was created to keep companies like this from doing fraudulent stuff and attempting to take advantage of innocent people. I dont barrow money, I could careless about my credit score. I checked for the first time ever, just to do it after a friend I gave hard money loan to asked what my credit score was. Im XXXX because of the principle, either Wakefield & Associates has the wrong person, or knowingly is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
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 XXXX reported that I was 90 days late on my XX/XX/2020 invoice. I have never been late on any of my invoices and have always paid the minimum balance on all statements. None of my statements show a late payment being issued or a payment had not been paid. XXXX XXXX states I owe {$120.00} for a late fee. Why is the late fee {$120.00}? That is an extremely high fee. Every statement has been paid before the due date every month. I dont understand why Im given the option to submit my evidence when its not taken into account. The proof is on each statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a charge-off with american express for approximately {$16000.00}. I settled this debt and agreed to pay {$4000.00} to settle it in full. I proceeded to make the payment. American Express has now only credited my account {$4000.00} and has not reported it as settled with the credit bureau. They are now reporting that i still owe {$12000.00}!!!! 

I have uploaded the settlement agreement that was faxed to me along with their receipt of payment. It took them a couple days of send me the confirmation of payment received. My payment was processed on the day the settlement paper agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Square Inc
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 XXXX XXXX and XXXX XXXX attempted to do a transfer of funds transaction through cash app. We attempted to do the transfer of funds three times. All three times they were declined. At this same time while XXXX was trying to pay XXXX the funds, XXXX was trying to request them. Somehow during the transfer of funds being attempted both ways got mixed up and frozen until both of us could no longer complete the transaction. XXXX XXXX attempted to call this number XXXX, which we thought was for cash app support. At the time of making the phone call when we made the call we talk to a foreign guy. He had XXXX to download an app by the name of XXXX XXXX XXXX XXXX on her mobile device. Once XXXX downloaded the app he was able to hack in her phone through cash app. This allowed XXXX XXXX to send the funds from her account to XXXX account. Instead of the agent sending funds from XXXX account, the funds were sent to someone account in California. He had XXXX XXXX to transfer two amounts. {$720.00} and {$820.00} for a total of {$1500.00}. None of these amounts were received in XXXX account. XXXX  cash tag at the time was $ XXXX. Instead of it being transferred to XXXX cash tag, it was transferred to a cash tag in California by the name of $ XXXX. This was never XXXX  cash app cash tag. After the transaction was completed to his satisfaction, the call was disconnected and there was no longer any communication with the agent. The person who received the funds had the above cash tag, the number was fraudulent and was not a working number for cash app support. The individual who made the transfer of funds was not a working individual for cash app support. These transfers were attempted through deceptive behavior and should be taken action against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days. On XX/XX/2021, I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 ). 

To date Shellpoint has not resolved the issues. 

I will be resuming payments on XX/XX/2021 and have not been informed of the : 1. ) Total amount that is being deferred and total amount owed on my mortgage including all deferred amounts. 
2. ) The terms of that deferral, whether it be a recast changing the maturity date or a balloon payment- To be clear, I want a complete written breakdown of my loan, the amount owed, the amounts ( all amounts ) deferred on my loan ( past & present ).

3. ) An accurate and up to date escrow analysis as of XX/XX/2021 - Including evidence of any and all expenditures listed as escrow advances 4. ) A written copy of the servicer 's guidelines ( from the investor ) that clearly shows that escrows can not be included in deferrals.

5. ) A complete written explanation of what can be done with escrow shortages again, from the investor ) 6. ) A payment breakdown that includes my current monthly payment with taxes and insurance ( based on an up-to-date accurate escrow analysis ) AND A breakdown of what the escrow shortage payments will be over a 5 year period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX buyer reported my sold item and ebay charged my account XXXX for an XXXX  i sold in perfect conditions to buyer and he recieved it at right address.I never got my XXXX  back and they want to make me oay for something i sold correctly it isnt fair and i dont think this charge is correct. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan transferred to Select Portfolio Servicing XX/XX/XXXX from XXXX XXXX. 
SPS took 4 months to process my transfer. While my account under " process '', I kept paying my monthly mortgage on time started XX/XX/XXXX. I did not miss any payments. All my payments were sent on time. SPS acknowledged that they received all my payments on time, however, they did not apply all the payments on time. They applied all payments as single payments on XX/XX/XXXX. I asked SPS to fix my payment records and to apply all the payments individually as they received them on a monthly basis. Since it wasn't my fault that it took them 4 months to finalize my account. However, they stated that they will not fix my record payments. They said that they had to apply my payments under " suspend account " because my loan modification documents from my previous servicer were not received. I am now trying to refinance my loan and the underwriter will not accept my " payments being on time '' because SPS will not provide the proper documentation of the payments that I made during " transfer process '' I called SPS several times and spoke to different representatives to fix these payments records and they stated that they will not able to go back to my record and fix the payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting XXXX XXXX and Fidelity Properties off my XXXX report due to illegal reporting practices.

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

Complaint:
This account does not belong to me.. It belongs it is a corporate 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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
the car loan from XXXX XXXX XXXX was paid in full on XX/XX/2019. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # 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 2018-11-22
Company: CNG HOLDINGS INC
State: NJ
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Debt Recovery Solutions, LLC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported an account from XXXX on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: OPTUM BANK, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Initiated a xfr of funds ( {$2000.00} ) from XXXX checking acct to my Optum Bank acct on Monday XXXX XXXX. As of XXXX XXXX the funds are still not available to move from Optum to my outside XXXX XXXX brokerage acct, This is nonsense that simple, cleared, cash funds are not available within one day for TRANSFER not WITHDRAWAL to my brokerage acct.

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 2021-07-11
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I was approved for a modification from Ocwen Loan servicing on my mortgage. I filled out the documentation and faxed it off. They said they never received it and told me I had to start all over in the modification process. For the next 3 years I made appointments with relationship managers, submitted documentation over and over and over again. Each time I would be denied but never told why. In XXXX I applied to a program called Making Homes Affordable that the State of Oregon and OHSI ( Oregon Homeownership Stabilization Program ) offered and got approved. They would help me catch up my mortgage and Ocwen would not send them the total dollar amount needed to catch up the arrears. Ocwen literally played games with both myself and OHSI. By this time I was very close to going over the {$40000.00} limit this program allowed. This drug on into XXXX, I went over the XXXX and Ocwen wouldn't return OHSI 's phone calls, emails etc. Ocwen then sold out to PHH Mortgage/newrez and I have spent the last two years trying to get somewhere with them. I make appointments with relationship managers who have to call me at a time that works for them. Several times I would not get the call or I would get disconnected. The few times I did get to talk to one they offered no answers, no help, just fill out another application and resubmit. The last time I called I got passed around for 45 minutes to different departments and then hung up on. I have documentation going back all the way to XXXX Letters, applications, income documentation, notices stating they need more documentation or the documentation is expired and I have to resubmit, etc. I was told recently I was denied because its more then 90 days past due. It was more then 90 days past due when they purchased the mortgage from Ocwen. They are burring me in my home and for the last 7 years I have tried to get this fixed. XXXX XXXX from OHSI has been helping me since XXXX trying to get this fixed and he also has gotten the runaround. I am now at an accelerated amount of {$280000.00} with the principal balance interest bearing {$140000.00}. I can not get any help, they said they don't have any program to help me because i am 90 days past due. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores

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 2018-11-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The account has been reported in XX/XX/2017. I have not since received anything in writing documenting the debt. I have asked the creditor to confirm the last billed amount. They have not. I have asked the collection agency to do the same. No response in writing has been provided. I can not imaging owing this debt since I currently have active service with the provider. It was mentioned at the time I applied.

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 2018-10-08
Company: EQUIFAX, INC.
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:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.

Company response to consumer: Closed with non-monetary relief