BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. My escrow analysis for the property taxes is going up {$410.00} 2. My taxes paid to Town of XXXX for XX/XX/2018 Property tax were {$9600.00}. That is not true the taxes paid to the town of XXXX are wrong as the town of XXXX received {$9500.00} that is a difference of XXXX. see attached tax receipt from Town of XXXX XXXX 
3. I am in dispute of your escrow analysis statement that show a shortage and an increase in the monthly payments.

4. I respectfully demand you do a verified analysis as the property taxes are lower going forward.

5. I would also like to know going backward how may other times you overpaid or over charged the property taxes on this account. 
Also every month extra money is paid to the account and I believe it is no credited properly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Experian Information Solutions 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:
My complaint is against XXXX XXXX and all 3 credit bureaus ( XXXX, EXPERIAN, XXXX ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the chase account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( XXXX  , EXPERIAN , XXXX  ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.

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 2019-06-14
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: Account information incorrect

Complaint:
My complaint is against XXXX XXXX and all 3 credit bureaus ( EQUIFAX, XXXX, XXXX  ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the XXXX  account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( EQUIFAX , XXXX , XXXX ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Ingo Money, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
When cashing a check they needed a picture of the check with VOID written on it. When I wrote VOID in big letters they still rejected the check. 
The transaction number is XXXX. I was cashing a check for XXXX dollars. It had a XXXX dollar fee so it was going to be XXXX dollars. I am XXXX XXXX and am using a XXXX account. I have a voided check worth nothing. I called multiple times but I was waiting for almost an hour on hold. I also sent a complaint to the XXXX  but they just said my complaint was only for information purposes and still didn't give me my check. They have the pictures of the front and back of the check and the voided check. They have to have a human check the pictures. Their program is too faulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Complaint : I do not have a contract with Captial One Bank USA NA. I am not liable for collected this debt owed of {$540.00}. I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT It got deleted from XXXX but not from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2017 I cant remember the date my name is XXXX XXXX I had a bank account with Bank of America I remember my ex girlfriend using my XXXX  card for unauthorized transactions I was never able to dispute it because I was incarcerated at the time and its stopping me from getting a bank account with all major banks I would like to resolve this so I can have a bank 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 2021-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Mortgage Service XX/XX/2020 I called both the company affiliated with inquiry they said no info could be found. I also contacted Equifax and XXXX and told me to contact FTC. XXXX did remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Advantage Collection Professionals, Inc.
State: MI
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:
In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information.

4. This consumer is without facts sufficient to form a belief that this consumer has a relationship with your company, and therefore must deny that such a relationship exists.

5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Balance account paid no charge off or balance owed.

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 2020-06-23
Company: PNC Bank N.A.
State: VA
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/2020 I used an atm and atm said transaction error or something and did not dispense any money but still still charged my account XXXX $ I called the atm company they said dispute with bank so I called and filed a Dispute with my bank indi and now there saying I get no provisional credit even thuu I go its been over 10 buisness days they say there waiting for the response of the merchant which I thought is what the credit was for was for consumer to have access to there money back while waiting for the response and I thought was mandatory if not sorry Im wrong there saying it could be 90 days until I get my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC knowingly and deliberately stalled and withheld disclosures until the last possible moment knowing of an urgency of an event on XX/XX/2019. Application was filed on XX/XX/2019. No Truth in lending disclosure was ever issued. Appraisal took over 4 weeks to complete a `` drive by ''. XX/XX/2019 I was notified that the loan was ready and would be closing on XX/XX/2019. At that time I strongly requested a hard copy of the terms of the loan to no avail. Day of closing I was informed of a mandatory Checking account requiring a minimum balance of {$500.00}. When I refused they increased the interest rate of the loan in leu of an account. Without a disclosure or anything tangible I refused to sign in fear of other penalties and fees not previously mentioned. These tactics are nothing short of predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PayPal " limited '' my account so that I can not withdraw or transfer the funds in the account. They asked me to upload a copy of my passport, my state ID card, my social security card, and to change my password. I did all of these steps right away. However, they refused to take away the account limitation, as they said I uploaded two passports : a XXXX  and American passport. This is a lie, as I do not have a XXXX  passport, did not upload one, and do not see any record of a copy of one having been uploaded in my account. Now, PayPal has frozen my account for 180 days and I can not access the money, although I have offered to supply additional or alternative documentation of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I was seen at XXXX XXXX. I presented my health insurance card as it had changed in XXXX. I specifically advised the person at the clinic and they made a photo copy of it. I received a bill in the amount of {$35.00} for this visit and noticed that the visit was improperly billed under my old health insurance. I also verified the information with my health insurance carrier and was advised that it was billed incorrectly. 

I tried contacting XXXX XXXX on multiple occasions and so did my mom. After dozens of unanswered calls, my dad contacted XXXX corporate and demanded that someone stay on the line until a member of XXXX XXXX answered the phone. After about 45 minutes, he was able to speak with a representative and gave them the correct billing information. 

XXXX XXXX XXXX never re-billed the account as they stated that they would and turned this over to collection. 

There should be a second bill for {$39.00} for a XX/XX/2020 follow which was also billed incorrectly. 

My dad contacted the Collection agency TransWorld Systems at  XXXX regarding this account and advised them to cease and desist any further collection attempts. The account number with TransWorld is XXXX. XXXX XXXX 'XXXX  account number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On the internet, XXXX keeps appearing, promoting their anti-aging product saying it can be tried for free, just pay shipping and handling. I finally said " yes '' to their teaser promotion but sorry I didn't read their terms and conditions because it was long and in small prints. I was billed on XX/XX/XXXX for two shipping charges {$4.00} and {$4.00} on my Bank of America ( BA ) credit card statement dated XX/XX/XXXX which I paid. Then I got another set of the products in the mail and subsequently billed for two ( 2 ) {$89.00} and two ( 2 ) {$88.00} on my XX/XX/XXXX statement, the prices of which I was not aware of since the co. never revealed them, even on their website which I viewed after I got BA 's decision. I immediately called radiant revive and BA to dispute those charges whereby BA issued four ( 4 ) claim nos. until further investigation. On XX/XX/XXXX however when I checked my on-line statement, the amount of {$350.00} was charged. I called BA who said it was my fault that I did not follow the terms of the co. and it's buyer beware. I said I was willing to send the items back since I didn't even use them but their minds were closed. I filed with the XXXX XXXX XXXX in XXXX, SC on XX/XX/XXXX but nothing came out of it. I left for out-of-the-country on XX/XX/XXXX and returned XX/XX/XXXX. During that time I kept trying to get info from either of them ( XXXX  and BA ) but was unsuccessful. I saw that BA kept charging me late fees and interest but I tried communicating by email but got no response. I couldn't call because of the inconsistency of WIFI in the XXXX. I paid {$380.00} on XX/XX/XXXX because BA kept sending past due notices so I closed my account. This lesson has taught me not to deal with BA, being it is not consumer-oriented. As a result of this incident, my credit plunged down from XXXX to the high 600 's.

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 2020-07-20
Company: ERC
State: FL
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:
I sent Collection agency a letter on the XX/XX/2020 requesting a validation of debt. 
I have not received any response from them and its been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Smith, Cohen & Rosenberg LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. SMITH, COHEN & ROSENBERG/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX Amount {$220.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: Ad Astra Recovery Services Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have dealt with Ad Astra Recovery Services for about a 4 year period between XXXX & XXXX in regards to an account that is reporting to my credit reports false and inaccurately. During this period they have failed to provide ANY proof viable evidence, bearing my signature and showing that the account was being reported accurately or established by me. They also failed to provide a timely response in which I kept careful record of via certified mail & their response date attached to their continuous automated response that I've received over 10 times. I've also asked of Ad Astra Recovery Services to render me an description of their procedures used to determine the accuracy and completeness of the information provided. They have not done so any of the times requested. I've made several goodwill attempts against this company to resolve an issue that has been defaming my name for over 3 years. Their non compliance with federal laws under the Fair Credit Debt Collection Practices Act & the Fair Credit Reporting Act and all corresponding local state laws will only make them liable for their willful non-compliance. And I plan to seek extensive damages to be recovered from this negligence of inaccurate and error reporting done under my name & social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Services still continues to lie about the facts of my complaint.

1. They have yet to disprove my claim of the over paymentom my loan. Their answer is, " this matter closed. '' If indeed the amount of the refund of {$2600.00} was incorrect, this should have been resolved at the time the check amount was agreed upon. The issue of the check at {$2600.00} is their admittance that the over payment amount, with the check register I sent them, from my bank account, was correct.

2. Since they have admitted their incorrect accounting, no late fees should apply. These need to be removed. All payments have been received by Bayview before the XXXX  of the month. Again, I sent a copy of my bank statement showing the dates all payments cleared. It took Bayview nearly 3 months to refund my money, yet I do not get to charge them a late fee or interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had service once before with XXXX XXXX and the home i had moved to they was unable to connect my service. so i suspended my service all together. I then noticed months later that they were still taking the money off of my credit card. When i called them back in XXXX or early XXXX to resolve the issue and have them put the money back on my credit card. They refused to do so and still wanted to take money off of my credit card. so i then had to get my bank involved to get my money back from this company. So then they falsely put me in collection and when i filled and complaint against XXXX XXXX with XXXX they stated that XXXX XXXX was correct but put a statement on my credit. I have documents from XXXX XXXX as well as proof that this account was removed from my credit report in XXXX with the XXXX XXXX XXXX XXXX on XXXX XXXX. Then i have noticed on my credit report Credence Resource Manage, Credence Resource Manage XXXX, MI XXXX. File # XXXX was put back on my credit report. They are trying to charge me for the same account that was removed off my credit report. This is not my bill I have not received any type of documentation stating this was my bill and going on my credit report. When i did have my money pulled back from my bank they sent me a bill for {$210.00} that i did not owe them. But then they put {$350.00} on my credit report that was removed in XXXX. My bank also canceled my credit card i had on file with them because they was taking my money illegally. Also when i contacted you about XXXX if you look on my credit report it was remove twice.

Company response to consumer: Closed with non-monetary relief