BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Professional Debt Mediation, Inc.
State: FL
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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL 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 2020-10-31
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
You never reported my account to the credit bureaus? Why? Also it is showing on my account that I was late 60 to 90+ days which is not supposed to be the case. On XX/XX/2020 you did approved my account for a forbearance from XX/XX/2020 to XX/XX/2020, then in XXXX you agreed to a deferral of half of my balance to the back of the loan. So per our agreement, you were never supposed to report my account late or mark it as late. I'm asking you to report my account correctly to the credit bureaus as well as in your system. Otherwise I will file a complaint with the consumer finance bureau regarding reporting me late when according to our forbearance agreement, I followed all the rules to avoid being reported as late. I need an answer asap. 

Thank you

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 2020-10-31
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint, continues to use abusive and harassing debt collection practices. They also, committed mortgage fraud. I have settled once with them and they refuse just like Ditech did in properly entering the judgement into their system. They now claim the trustee did not pay them the money for our bankruptcy chapter XXXX. Which violates my automatic stay again. I am tired of the fraud this company has committed for the second time in just a few months. I also, contacted their lawyer XXXX XXXX letting him know they continue to violate my automatic stay and falsify documentation.

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 2018-03-01
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2018, my account was compromised by a hacker from Brazil. He presented charges to Suntrust against my checking account for {$100.00}, which was denied. The hacker then presented for charges to Suntrust for {$200.00} and this was also denied. The hacker tried again and presented for charges to Suntrust for {$400.00} and {$2.00} and Suntrust paid the hacker these XXXX charges. I suspect that Suntrust paid the last XXXX charges totaling {$400.00} to overdraft my account so that Suntrust could profit from the overdraft fees. I must mention that all of the charges were done in succession ; XXXX after another. Now my checking account is in the negative and charges for bills that normally come from that account are creating additional overdraft fees, charges, and withdrawals from my savings account. This is the second time that Suntrust has been negligent with my funds and information. I did receive a telephone call from the Suntrust Fraud Division AFTER it paid the XXXX fraudulent charges.

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 2018-09-28
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2012 we started with XXXX XXXX XXXX  XXXX XXXX. She assured us she would assist us with a modification or plan to save our home. We supplied the necessary paperwork and exchanged emails back and forth. During this time our home was actually broken into by a Preservation Company hired by XXXX XXXX. They did substantial damage to the home which we informed our attorney. We continue to work with XXXX XXXX when we found out they had been sold to XXXX XXXX during this time the house was occupied by tenants that distroyed the home. We filed an eviction and forced them out of the house. We then found out that it was infested with bed bugs. It took us many months to disinfect and remove sheetrock and carpeting to fully get rid of the bugs. Finally the house was cleared and we moved forward to get it rented again. Still working with XXXX XXXX on the modification we then were informed that the loan was sold again to XXXX. Once again we filled out the needed paperwork and calls to representatives to get the loan caught up. About 5 months ago the loan was changed again to be serviced by Loan Care. I have submitted paperwork again including leases, P & L, taxes and such. The reps we have spoken to our many yet no one has assisted us in moving forward to get this processed. Obviously from when we started this process in 2012 our situation has improved as the house is fully rented with reliable tenants and leases. Our income although not where it was 8 years ago has as well improved these conditions currently help in the request to modify our loan yet we continue to receive denial letters and not explanations. Our own attorney agrees that something is not right as well as other bankers I have spoken to. We DO NOT WANT TO LOOSE OUR HOME and are trying our best to ask for assistance. We have even sought 3rd party financing at a very high interest rate and have been prelimarily approved. Our question is how can they approve us and yet ( Loan Care ) won't even consider a option for us. We had the house appraised there is plenty of equity in the home yet we are still denied. Our credit is now ruined due to these delays which we have been trying to rebuild. We just need help to put this behind us and start fresh. Your assistance in this matter would be appreciated.

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 2017-08-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name. I contacted the company and never heard back what happened or the results of the investigation. On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name again. I 've contacted them again but they did n't have anymore information again. I want to know who keeps trying to open up a credit card in my name at Walmart, to date Walmart has done nothing nor reported their findings to law enforcement. Walmarts contact information : XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2020-10-31
Company: Kriya Capital, LLC
State: OH
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:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account is completely inaccurate Date opened is inaccurate High Credit is Inaccurate Comments/Remarks are inaccurate

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 2018-07-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have the money to pay off in full my student loan ( over $ 90K ). I confirmed the entire payoff amount online and via telephone with Navient on XX/XX/2018. They cancelled my direct debit since I set up an electronic transfer which they said may take 3-4 business days. On XX/XX/2018 they sent me an email saying the loan was paid in full and my balance was XXXX. 

Today, on XX/XX/XXXX they sent me an email that I owed {$1400.00}. There was no communication either by phone, email or regular mail until today. I called today and they refused to connect me to a supervisor and claimed many contradictory things. First, that the payment was refused by the bank ( not true ). Second, that they could not " accept '' any payment of more than $ 50k per day ( not true ). Third, that they can only accept a payoff in full via debit or credit care ( not true ). Fourth, that I owe an additional {$62.00} to payoff the loan which is ludicrous since they already sent me notice 11 days ago that the loan was " paid in full ''. 

Worse, when I called this morning, besides lying to me they now claim I can only payoff my loan by electronic transfer ( the original way it was set up ) and " it may take 10 business days ''.

Clearly, this is a scam to extract extra money from those choosing to get rid of their horrible service/company. I have set up the loan pay off ( AGAIN ) and hope that their illegal practices are uncovered so that more innocent people don't get fleeced of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Conn's, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account is 5 days past due ( next payment due XX/XX/XXXX ) and have received at least eight phone calls throughout the day beginning at XXXX XXXX. from various spoofed numbers throughout the country including numbers from area codes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. A caller from a number originating from XXXX, Arizona at XXXX XXXX XX/XX/XXXX asked for my social security number which I refused to provide as the incoming number was not clearly identified as Conns. Another caller, identifying themselves as Conns, advised my phone number did not correspond with my account. Calls have continued despite a payment arrangement being enacted and validated online through the collection department. Calls have repeatedly continued although I have asked repeatedly that they cease. I asked to immediately return a telephone a call from area code XXXX and was told by caller that I could not return a call to the number from which he was calling and was provided a XXXX telephone number. Agents at this number advised I had failed to make a XXXX payment thus triggering the monsoon of calls. This information does not correlate with my bank account statements or online Conns account, which clearly states next payment due XX/XX/XXXX for a one month payment, I can clearly see a payment processed for the month in question. Online account history does not indicate any default. I was advised there was no supervisor who could speak with me. 

In XX/XX/XXXX, I received an email from Conns addressed to someone of a totally and very dissimilar name with foreign account information and details of a payment arrangement with Conns. I immediately called, fearful that my account was somehow entwined with someone else. I was told to disregard the email and the issue would be escalated with a response in 24 to 48 hours, I never heard from anyone calling from a legitimate Conns number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Ability Recovery Services, LLC
State: FL
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:
To Whom It May Concern,This is in response to CFPB: XXXX requesting for a police report and stating that my affidavit is not sufficient enough. Also, I still have not received any information I have previously requested for validation purposes.Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportinStating that you have  reason  to determine that you have made a misrepresentation of material fact relevant to the request to block; c) Transunion has reason to determine that you obtained possession of goods Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed [or request another specific change] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents] supporting my position.] Please reinvestigate [this/these matter(s)] and [delete or correct] the disputed item(s) as soon as possible Thank you.XXXX, XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL 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 2018-04-02
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an invitation directly from Citibank to apply for a credit card. The incentive for applying for the card was XXXX XXXX XXXX frequent flyer miles if approved. I was approved for the card and proceeded to reach -- and far exceed -- the requisite dollar spend within the first 90 days of receiving the card. I called Citibank a month after having paid them more than {$4000.00} inquiring when the XXXX miles would post to my XXXX XXXX account. They informed me at that time that they were not going to give me the miles since I had a credit card open with their company within the past 24 months. At no point during the application process, after I was approved for the card, after receipt of the card, during the first 90 days of using the card and spending more than {$4000.00} did Citibank advise me that I was ineligible for the promotional offer. Citibank targeted my business and presented the offer to me. I did not need or want the card. When I made a complaint with their customer service, they offered to give me XXXX XXXX XXXX miles and said someone would call me within 24 hours. That was two weeks ago and I have heard nothing from them. I informed them that I would be filing a complaint with your agency and they still have refused to work with me or correct the situation. Thank you for any assistance you can provide.

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 2020-11-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, someone had accessed my bank account tried to steal a lot of money from me actually 2weeks ago. Today XX/XX/XXXX I have received another phony bill in my name by mail. The bill is dated XX/XX/2020 in the amount of XXXX. I have NEVER applied for an account with National Credit Adjusters/XXXX  XXXX XXXX which is whom this claim is about. I have not attempted to contact the business because as I mentioned that someone had attempted to break into my bank account. I did place a lock on my credit report with all 3 reporting agencies. I do not know if National Credit Adjusters is even a real company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Unifin Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Police report XXXX is attached. XXXX XXXX has willingly ignored police reports and have been in noncompliance of the laws and negligently reporting inaccurate credit reporting information to the credit bureaus. Section 605B protects consumers from fraud and identity theft yet the creditor has willingly broken the law and has refused to respond via the CFPB to these claims. Please send back to the original credit as they are not following the law. Also cease and desist all forms of communication as this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
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: Account information incorrect

Complaint:
Although my student loans have been dismissed, Trans Union still shows that my total debt is over 300,000.00. I have tried to get them to provide an updated proper report to the two car lots that have run my credit and deny me a loan because of the sloppy reporting that Trans Union refuses to address.

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 2020-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my bill of XX/XX/XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me to resolve this issue when pay payment was automatically set.

Company response to consumer: Closed with explanation