BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB I represent a client who settled a debt of XXXX. The client has XXXX and is selling his home. I have tried to no avail to obtain a release for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: S & S Recovery, Inc.
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving frequent phone calls to collect a debt from a college that I have not attended since XXXX. I answered initially to see what this was about and where these phone calls were coming from. I was told they were looking for XXXX XXXX to collect a debt of {$1300.00}. This is a debt I had no idea that I had acquired. I let this know this information and they continued to call me to collect this debt on my behalf. Yesterday, I called my college to order a transcript and there is a hold on my account due to this debt. This debt is not mine. I feel that this debt is attached to someone else and it has been accidentally been put on my account because XXXX XXXX is a very common name. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage with CMG Financial on XX/XX/19. My first payment due was in XXXX. I have reached out to the loan officer who has provided no direction on how to pay this, so I reached out to the company CMG who routed me to their call center. I have spent an hour on the phone this morning getting the run around and continually being transferred and put on hold. XXXX ( employee id # XXXX XXXX gave me three options to pay ( {$2.00} to pay with " IVR '', {$9.00} to pay with him, or i could go to www.loanadministration.com to pay for free. After I went to www.loanadministration.com, I put  my loan number in and my full social security number in multiple times only to get the error " loan number not found '' i explained this to XXXX who put me on hold for another 15 minutes and came back and said the correct website was cmgmortgage.loanadministration.com. So based on the information I was given by XXXX, I put my full social into the wrong website multiple times, so now social security number is compromised. Once I finally got the correct information from XXXX I was able to painfully create an account where I was forced to accept automated calls on my cell phone just to create the online account. I then logged into my account and there is literally no option to pay for my mortgage. I tried to " live chat '' with someone from the website and even after filling out every single field I receive and error. How is this ethical or legal business behavior? It is not reasonable for a consumer to pay {$9.00} to pay their home loan when the website does not even work properly.

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 2021-03-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX  ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: LJ Ross Associates
State: IL
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:
L J ROSS ASSOC is reporting on my credit. they have violated the fair debt collection practices act by not providing me with information to identify whether the debt is in fact mine or the opportunity to dispute it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Renew Financial Holdings Inc
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a participant in the PACE program with Renew Financial, the FHA mortgage held does not qualify for the FHA streamline program due to the policy of Renew Financial not subornating the lean place on the property. Upon speaking with Renew financial, they state the company " will collect the money no matter what as it is a tax assessment, however we will never subordinate because it is just our policy. '' Why does a government partnered program prevent individuals holding FHA loans, meant to provide financial stability, from obtaining financial benefits through FHA programs by holding policies that contradict the FHA requirements to participate.

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 2017-10-09
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This started on XXXX XXXX XXXX. I started to get calls about owing money to XXXX XXXX XXXX. I switched over to XXXX back in XXXX. I payed off my old phone with XXXX XXXX XXXX the same year. Fast forward to XXXX XXXX XXXX. I received a call from XXXX XXXX XXXX XXXX. They said I owe {$200.00} to XXXX XXXX XXXX. I did pay once and I thought it was over. I got called again with roughly the same charge of {$200.00}. I was surprised the XXXX XXXX XXXX phone company did n't contact me via email on the matter. When I tried signing into my old XXXX XXXX XXXX account I could n't. I tried to reset my password too and the email was wrong when I knew it was right. So since I 'm not with XXXX XXXX XXXX anymore the account was removed. How could I owe money to a company when I do n't have an account with them anymore? I also received other debt collector calls from similar numbers. The following is the list of numbers all pointing to this company : XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX The company name is Diversified Consultants. I keep getting harassed by them almost daily now. Can you please help? Thank you in advance. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.C.S 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true.

I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. XXXX sold account balance paid in full XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
System failure credit score remains around XXXX when score should be in the XXXX. All inquiries are removed yet payment history still affects score alongside derogatory report, and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: U.S. BANCORP
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank XXXX XXXX XXXX XXXX has denied me access to my savings account since XX/XX/2022 I deposited Unemployment checks and still have no access to my money after going in 3 times to branch to correct errors made when I opened this savings account. Its been 12 business days but I opened account XX/XX/2022 and today is XX/XX/2022 with no access to get my money out of this account. Please help me resolve this.

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 2023-03-21
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
*** Original complaint, sent XXXX to incorrect company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) *** Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ) kept sending the keys to some other address, then we got a Sheriff 's Sale notice. We're not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of God our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. God Bless and thank you, so much in advance for whatever you can help us with. XXXX XXXX XXXX # 2 Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ), kept sending the keys to some other address, then we got a Sheriff 's Sale notice. Were not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of God our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. 
God Bless and thank you, so much in advance for whatever you can help us with. 
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 2022-10-06
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXXBalance : {$6300.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Date of inquiry:XXXX ; XXXX Date of inquiry:XXXX XXXX XXXX XXXX Date of XXXX ; XXXX  Date of inquiryXXXX ; XXXX XXXX Date of XXXXXXXX ; XXXX XXXX Date of inquiryXXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXX  XXXX Date of XXXXXXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/2020 ; XXXX Date of XXXX ; XXXXXXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX Balance : {$15000.00} ; XXXX  Date of XXXX ; XXXX  Date of XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I attempted to transfer money out of my Venmo account to my bank account and was sent an email which stated my money would be available in my bank account the next day. Not even an hour later I received an additional email stating that I would not receive my XXXX that in fact they were freezing my account and I could not get MY OWN money. They said I violated some user agreement. Since Thursday the XXXX Ive been in contact with Venmo provided multiple ways of verifying my identity including my drivers license bank statements as well as my debit card information and yet they still refuse to give me access to my own money. They are holding my money XXXX. Ive repeatedly stated that I will never use Venmo again its horrible and disgusting and all I want is for my money to be transferred to my bank and then they can go ahead and deactivate my account. They are also refusing to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My father ( 94 years ) created a power of attorney with his lawyer. We have been trying to register the power of attorney ( POA ) with Coinbase for months in order to provide oversight to his account. However, Coinbase has neither registered the power of attorney nor given us access. 
I have email correspondence dating from XX/XX/2022 and my sister ( co-POA ) has been corresponding with them via XXXX since XX/XX/2022. Typically, Coinbase will acknowledge that they have our corredpondance. I have a case number from XXXX with Coinbase ( XXXX ) and the receipt for the uploaded POA is submission ID # XXXX. As well, my sister sent them a notarized copy as well in XXXX. 
To date, we have not been able to resolve this with Coinbase. Please help!!! 

I am able to provide email copies and copies of twitter strings if required. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently trying to open a credit line on my property with XXXX  XXXX XXXX. I paid Off my mortgage XX/XX/2019 with Arvest Central Mortgage. I am locked in the process with XXXX  XXXX XXXX because there is a A issue with the title. I seems Arvest took over the loan from XXXX XXXX XXXX XXXX and they have never released their lien. This is causing me Financial hardship since this credit line is to pay for probate for my father estate in XXXX XXXX. I have paid this loan off over four months ago and feel this is unacceptable to not have clear title by now. I have called .and been given the wrong forms from Arvest and currently been waiting for a week for a call back while they do their research. How can a company not have their documentation in order and release my title in a timely manner? This has to be illegal at the very least unethical either way it is costing me time and money while I wait.. I am sure this is just a larger issue waiting to appear once those loans come do they obviously do not have their documentation in order FRom XXXX  XXXX XXXX The document you sent in is an assignment of mortgage showing your mortgage was transferred to XXXX XXXX which was taken over by XXXX XXXX. Whoever had your mortgage at the time the mortgage balance was satisfied, would then have the release. The release would then be mailed to you and then it has to be taken down to the county and recorded. We need a copy of the recorded lien release from the bank that had your loan when it as satisfied which could possibly be like I mentioned above with XXXX XXXX. We do not have the release. Please let me know if you have any questions. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: MD
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:
Under Fcra sec 623, all data reporting must be 100 % accurate, complete and verifiable. After reviewing my credit file I noticed that XXXX XXXX XXXX XXXX is reporting in accurate late payments during the term of the loan and have reported late payments after the loan was closed. I have made several attempts to correct the situation but to no avail. The account was closed and paid in XX/XX/XXXX. The account is showing late payments for XX/XX/XXXX which has to be in accurate if the account has been paid.

Company response to consumer: Closed with explanation