BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On Saturday, XX/XX/2017 at XXXX a.m., I checked my credit score as a regular action as I frequently do. I was proudly checking to see if since I have made a year of perfect payments as of XX/XX/2017 on my very first auto loan, if any thing positive point-wise happened. I have worked very hard to keep my payments on time, on top of setting up payment arrangents for at-fault debts. Upon opening my XXXX app on my cell phone, I noticed that my score instead of increasing, has actually dropped by XXXX points. I was very confused and scrolled down to see why ; only to find that I was charged a single ( I believe ) defaulted medical payment for XXXX $ from an agency called Midwest Recovery Systems. It immediately raised an eyebrow as I have NOT been contacted by this agency prior to it just being thrown to my credit report, on top of which was the most concerning is I have n't even had so much as maybe one doctor 's visit in the past year! And I was very diligent prior to the dr. visit of checking my insurance because I did n't have the funds for out of pocket expenses.I did some searching online to find that not only myself have experienced this issue with this " company, '' but numerous reports - ( XXXX Reports noted by the XXXX as of this day ... which inidicates the number of consumers that have been negatively/wrongly affected ) - There are reports I have read from even the beginning of THIS month ranging from the same amount as mine all the way to nearly XXXX XXXX This company is fraudulent and they are hurting innocent people and causing a lot of time consuming headaches. I have, prior to this submission of a formal complaint through CFPB reported the fraudulent charge to XXXX who has already deleted the " account '' from my report in less than a day. This is shameful for someone to actively target people for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Happy Money, 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: Account information incorrect

Complaint:
I had paid off the amount owed to this company thru escrow of XXXX . Back in XXXX. The check was cash by them and we have proof. Now they are saying it was never paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Date : XX/XX/18 Amounts : Old Vehicle - {$46000.00} Actions by me : Requesting pay-off with management at location due to the sales tactics that were used. 

Events : I went to XXXX XXXX XXXX looking to trade in my XXXX XXXX to go with something a little more economical. I was informed that there was no option to trade due to balance on truck, ( this was after they took my keys and processed an appraisal. ) I told them no problem and that I would want to keep my truck and continue to pay for it. However, I had test drove a vehicle and they started processing numbers and told me to wait and that I needed to voluntarily surrender my truck to the bank I originally got the loan from, in this situation I asked for my keys and they were not given to me. They had the sales representative follow me to the bank down the road to ensure I gave the truck to them, then had me go back to the dealership and sign for paperwork on the vehicle I test drove. Now I have to suffer on my credit for a vehicle that is not delinquent, due to their XXXX sales tactics. I was intimidated and was forced to do this. I was informed by both the salesman and the Finance Manager that I had no other option and that I was lucky they were looking out for me. This is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Diversified Adjustment Service, 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: Account information incorrect

Complaint:
This a follow up from complaint XXXX. I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence on XX/XX/2019, XX/XX/2019 and XX/XX/2019. 

I have repeatedly asked for Diversified Adjustment Service to send me a an EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service.  In a letter postmarked on XX/XX/2019, they sent a large envelope with several bills and a supposed contract with my name TYPED in the signature lines. The two physical signatures they have ( Documents attached, " Pt.1 '', page 14 and " Pt. 2, pages 10 and 18 ) are NOT MY SIGNATURES. They do not match the signature on my  identification. 

Since Diversified Adjustment Service SOLELY owns this debt, Diversified Adjustment Service needs to provide the EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service regarding repayment terms. Since they have not provided this documentation, this debt needs to be stricken from my credit profile from all three ( 3 ) credit bureaus ( XXXX, XXXX and XXXX  ) immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We decided to stop XXXX in XXXX, 2019 after being a loyal customer for 19 years. After speaking with a XXXX agent, she convinced us to suspend our account instead of canceling because we have been a customer for so long. I called back in XXXX, 2019 because I noticed XXXX was continuing to bill us. After speaking with another customer service representative, he said he noticed the problem and canceled the account at that time. He also said we would correct the bill and we would not be charged. In XXXX, 2019 we received a collections notice from XXXX XXXX XXXX for a {$160.00} outstanding bill with XXXX. I attempted 2 phone calls with XXXX and got the same response both times. They said I owed the {$160.00} and they could not remove the charges. They told me I could write a letter, print it and mail it to the XXXX disputes department. They said I could not email them and that there was nobody else I could speak with about this issue. I am completely appalled a company could do this to a long time customer. We have extremely good credit and don't want that taken away because of something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
see attatched USAA FRAUD TRANSACTION LETTERS dated XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$120.00} USAA CUSTOMER SERVICE SUBMITTED THESE AS FRAUD XX/XX/XXXX. WHY? WHY? THESE ARE RETURNED GOODS PURCHASED XXXX AND PAID ** BY MERCHANT XX/XX/XXXX ** BEFORE CLOSING DATE OF XX/XX/XXXX STATEMENT. see attatched XX/XX/XXXX statement. ** THERE ARE NO USAA CREDITS TO REVERSE. I DID ** NOT REPORT FRAUD ON THESE RETURNED ITEMS EVER! USAA REVERSED ONLY CREDITS ON ACCOUNT MERCHANTS {$340.00}. PAID XX/XX/XXXX. ( ** THIS RESULTED IN ** UNEARNED FRAUD REVERSED CREDITS. ) See attatched XX/XX/XXXX STATEMENT. IT CONFIRMS TRUTH. This created NEW PURCHASES ON XX/XX/XXXX. ** I DID NOT PURCHASE WHAT I RETURNED!! USAA OWES ME THE {$340.00} FROM XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ID Analytics, Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did apply with XXXX XXXX XXXX XXXX  ( XXXX XXXX ). I received a letter in the mail to state " We are unable to approve this application at this time, because information provided by credit-reporting agency has indicated the applicant is deceased. '' It further stated, " If this information is incorrect, we encourage you to contact the credit-reporting agency listed below. '' XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I've attempted the toll-free number to contact the credit-reporting agency to report the information is false and I am, in fact, alive. However, my calls are unanswered and I've not received a call back. 

I believe this is a scam company and do not trust them. I hope they do not have access to my personal, consumer information.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my XXXX report I fell behind in XX/XX/XXXX. However, the XXXX reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to Transunion the myFico combined report does not display any data for this loan.

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 2019-05-04
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my mortgage has been transferred to Fay Servicing, according to the previous servicer, XXXX. Fay Servicing should have sent me a letter to facilitate the transfer. They did not. I attempted several times to register on their website, but the website rejected my information. I attempted to call several times, but without an account number that they recognize, they will not put a human on the phone. If they don't recognize my account number, I have no way to pay my mortgage, which is due on XX/XX/19. I have no one else to call, since I don't even know who owns the mortgage anyway. When the payment becomes late, I will be penalized and my credit will be affected. Can you get them to process all the accounts which they now service, but are not even in their database?. By not doing the job they are presumably being paid for they are in effect defrauding both parties to the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: SC
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:
I have been corresponding back and forth with XXXX and now XXXX  for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, Experian and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

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 2021-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I submitted a debt validation letter to PRA regarding a debt that is showing up on my credit report. 

XX/XX/XXXX I requested a copy of a bill ( none of the information that I requested was sent to me ). 

XX/XX/XXXX I resent my request for validation on the debt. 

XX/XX/XXXX I received a letter stating that they would not be responding to anymore of my letters. 

PRA Group has failed to follow the guidelines listed in the FDCPA, FCRA and the Georgia XXXX. They are NOT licensed to do business in the state of GA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2018-03-18
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to file a complaint against Caliber Home Loans because I have been attempting obtain a loan modification from this company since XX/XX/XXXX. I have been jumping through hoops providing documents over and over to satisfy the underwriting department. Unfortunately, each time I thought that I was close to gaining approval I would be told that I needed to provide additional documents which happened to be documents I already provided but I was told that they expired due to the required amount of time it takes the underwriting department to review applications. I have continued to supply the documents that have been requested of me because my husband and I are in desperate need to save our home given our recent financial struggles. Nevertheless, after recently submitting my last loan modification packet in XX/XX/XXXXof this year and ensuring that I provided all required/requested documents, I was told yet again that I needed to provide more documents because the underwriters want up to date documents yet the documents I just provided in XX/XX/XXXXwere not considered expired or 90 days old as of yet. In addition to the fact that once I provide all of the documents that have been requested I will have to wait an additional 30 days for a decision to be made as the clock will start over again. I was also told that even after submitting requested documents that I should continue to submit update documents to avoid the documents from becoming expired and or the most current. I think that this is a feeble attempt to stall the approval process or to avoid providing modification assistance to those in need. The process that is being employed by this mortgage company is unreasonable and ridiculous. This is very unfair and unjust to the customers in need of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: VW Credit
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Flagstar Bank, N.A.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector is trying to collect a {$180.00} fee that I do not owe. Flagstar bank automatically opened an account in my name after they purchased XXXX XXXX. I have never used the account or gave permission to flagstar to open a checking account in my name. I do not live anywhere close to a flagstar branch so there would be no reason for me to have an account with them. I contacted flagstar and was told this has happened to several customers and that it was out of their hands since it had been sent to a debt collector.

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 monetary relief
Consumer complaint received 2019-09-27
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was sued judicially by Nationstar/Mr. Cooper. They never served me a copy of the summons and complaint, so I had no idea of anything. When I moved to vacate the default judgment, the court did not even look at it, as I would have likely settled the matter in mediation given the minute amount of past due, I was never given that chance and did not want to file for bankruptcy, so they sold the property for far less than the market value despite never serving me with anything. My tenant is going to leave, and now, because they didn't even look at the motion, not to mention I was in a trial modification, I lost my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hurricane Harvey caused a hardship. We lost our company and called Bank of America on XX/XX/XXXX to see if they could help me. On XX/XX/XXXX, XXXX XXXX said she had good news for me. Since after a national disaster, it would be hard to pay 3 payments at once so XXXX XXXX was letting me pay these payments at the end of the note. Then XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  that Bank of America sold my mortgage to them and they expected almost {$9000.00} the last day of XX/XX/XXXX. They told me Bank of America did not send an agreement like the had told me I had. I am attaching a description below.

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 2017-11-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a letter from XXXX XXXX XXXX XXXX. This company keeps insisting, that I owe them money for unpaid taxes. They said that they paid our taxes and, they want the payment that they made on my behave. I have sent them proof of paid taxes. They insist that they have not received proof. I also sent CFPB proof of XX/XX/XXXXtaxes, which I saw copy before I wrote this complaint. From the beginning of this loan I have been harassed. The first time I received notice, they said I had not given them XX/XX/XXXXdelinquent taxes. I sent them the settlement statement, that at the close of my loan, it shows clearly where they deducted moneys for taxes XX/XX/XXXXdelinquent and XXXX before I ever received my loan. Which I also sent to CFPB. 
They have increased my monthly mortgage from XXXX plus to XXXX. They are saying that I breached our agreement, and I 'm now in default. I pay them monthly electronically, so I won.t default. The letter says I have n't paid XXXX or XX/XX/XXXX, my payments are not being applied to the account, because of these same taxes from the being of this loan. They say have not been paid. 
I 'm not responsible for those taxes, per the settlement statement. The title company XXXX XXXX took those payments, and made them to the tax department. I am sure, that the same thing is going to happen with the XX/XX/XXXXtaxes, being as this has happened, every year since this loan was established.

Company response to consumer: Closed with explanation