BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: Phoenix Financial Services LLC
State: TX
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:
On XX/XX/2021, I submitted a complaint through the CFPB portal, complaint number XXXX, regarding XXXX investigation into accounts showing on my credit report with data furnisher Phoenix Financial Services. XXXX  responded to the complaint on XX/XX/2021 stating the data furnisher, Phoenix Financial Services responded and verified that the disputed information was accurate as reported. I never received any response or documentation from Phoenix Financial Services showing the alleged debts and alleged accounts to belong to me. XXXX also stated in their response that the results summary was sent to me for my review on XX/XX/2021. I received a response from XXXX  online although I sent dispute letters in writing. 

In XXXX  online alert on XX/XX/2021, XXXX stated The account that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX  that the information is accurate. I also received an alert dated XX/XX/2021 that the account with Phoenix Financial Services that starts with XXXX has been updated. 

I sent a letter dated XX/XX/2021 to XXXX  requesting verifiable proof that they have on file including the original contract containing my signature be provided to me. If the accounts were indeed verified with Phoenix Financial Services there should be an original contract on file with XXXX  or Phoenix Financial Services that contains my signature that I should be able to view myself according to the FCRA. The dispute letter I sent to XXXX  dated XX/XX/2021 is what resulted in XXXX response on XX/XX/2021 although online XXXX  shows my dispute with a Date Submitted of XX/XX/2021. 

There have been no contracts or any documents at all bearing my signature, for the alleged debts, provided to me by Phoenix Financial Services or either of the 3 major credit bureaus. Documentation without a written signature does not validate the debts and anybody can send a response or furnish any information and say it is mines. According to the FCRA, XXXX  and Phoenix Financial Services have violated my rights as a consumer and I am requesting legal action to remove these accounts immediately from XXXX  and any other bureau these accounts have been reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Investigation took more than 30 days

Complaint:
I sent a dispute letter to transunion on XXXX XXXX, XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. They received it on XXXX XXXX, XXXX. Transunion failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Transunion was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.

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 2021-03-02
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2017-11-13
Company: Northeast Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I receive several calls a day from this collector. They are also contact my family members at work and on their cell phones phones after I have repeatedly asked them to stop but they have refused. They have also stated they are with the City of XXXX Court Systems and that I was being taken to small claims court. I have told them that I was dealing with a settlement company and they would need to contact them. They would n't let me speak kept cutting me off very rude and when I told the manager the ways I was being talked to and the lies I was told she told me that it could do it.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX  as their credit card service. However, Portfolio Recovery has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX as an original creditor. Portfolio Recovery is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX  is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages portfolio Recovery to practice practice accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date 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 2016-03-16
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt Collector is trying to collect an account that is not mine

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to load money onto my XXXX XXXX  card but kept coming up that transaction has been denied. Thinking it was Bank of America that blocked the transactions due to fraud, I called to have them approve of the XXXX XXXX transactions. Which was just loading the XXXX XXXX card with {$250.00}. Next thing I know, {$3000.00} was taken from my account and was transferred through XXXX to someone I do not know and Bank of America said because it was a XXXX transfer that it goes through immediately and there was no way for them to stop the transaction. This happened XX/XX/XXXX, today is XX/XX/XXXX. Ive yet to get this issue resolved. BOA said they can not refund me the money because it was sent to an email they could not trace. Im heartbroken. Ive been with the bank since XXXX. Nothing they can do for me.

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 2017-11-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am selling my home in a short sale. We have been approved and unfortunately an old loan from the previous owner has come up on the title. We have contacted Chase which seems to be the lien holder in regards to the lien release so that we may close. They were originally contacted In mid XXXX and to this day they have made us send them the title binder, mortgage, assignment of mortgage to them to multiple e-mail which include : '' XXXX, XXXX XXXX XXXXXXXXXXXX, " XXXX, XXXX '' XXXXXXXXXXXX, XXXXXXXXXXXX, and to their manager at XXXXXXXXXXXX. As of today they are forwarding documents to be submitted to processing after weeks of phone calls and emails/ I have tried to speak to a manger and have escalated the request on multiple occasions but NOT EVEN ONE representative is able to give me an update on this request. We are past my short sale approval date and have yet to receive a concrete response from Chase except to resend the documents again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Security Credit Services is attempting to collect a fraudulent debt. They have listed an account on my credit report for {$890.00}. They are not licensed to collect debts in the state of Massachusetts in which I am a resident.

In XX/XX/XXXXI sent written notice via certified mail requesting validation of debt and 93A Demand Notice informing them of their illegal activity. They failed to reply.

In XX/XX/XXXX I sent a 2nd notice via certified mail 93A Demand. They failed to reply.

In XX/XX/XXXX I sent a 3rd notice via certified mail 93A Demand. They failed to reply.

They are unlicensed, reporting illegally and attempting to collect illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Phoenix Financial Services LLC
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: Old information reappears or never goes away

Complaint:
There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, Phoenix financial, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped. 

The credit bureaus have not provided verification proving either of these accounts are mine. 

I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the XXXX XXXX XXXX account is a result of this. As this account is unknown to me and has an open date reported for XXXX. 

I want both accounts deleted from my 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 2017-11-13
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a validation of debt to company. Sent certified mail on XXXX/XXXX/XXXX. Debt Recovery Systems received certified mail on XXXX/XXXX/XXXX @ XXXX. Failed to receive validation of debt from said company. Debt Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I was charged two overdraft fees. However, when i look at my account balance online and transactions, it looks like the negative balance comes on after the two fees are applied. When i spoke with them on XX/XX/XXXX, they would only reverse one of the two fees. However, it seems like they are using a deceptive practice to determine which transactions hit the account first so they can charge more fees.

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 2018-08-09
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am owed a refund on Escrow from loancare, I still havent recieved my check and the email doesnt go through to them. When i talk to a customer service rep I am told it will be escalated. this has been going on since 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 2017-11-13
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on a mortgage with XXXX XXXX and the servicing was immediately sold to Dovenmuehle Mortgage in XX/XX/XXXX. We received 1 mortgage statement on this loan and have yet to receive another one. We started calling Dovenmuehle in XX/XX/XXXX to see what was happening and were assured that statements had gone out but we never received them. Called again in XXXX and was told the same thing. We went online at the end of XXXX and requested to receive e-statements since we were not receiving them via USPS. Once the e-statement was published, we realized that Dovenmuehle Mortgage had changed the zip code in our address by one digit and that was causing the mailing address to be in a different town and a different state! We attempted to call Dovenmuehle to have this corrected and we were instructed to send an email. After a couple of weeks, we received a response saying that an email was unacceptable and they needed a signed letter. We responded and asked them to please review the documents that we signed at closing - our property address and mailing address were and always have been the same. We received a message on line after 2 weeks saying that the address was corrected but the message was addressed to someone else, not our names. To date, we have yet to receive one piece of mail from Dovenmuehle Mortgage. We logged into our online account with Dovenmuehle today and discovered that they had put lender  hazard insurance in the amount of {$7900.00} on the account!!! We do not have an escrow account with this loan and we do have hazard insurance in place. Apparently, they sent a notice to the incorrect mailing address that we have been attempting to correct for proof that the hazard insurance had been renewed in XXXX and when they did not receive a response, they forced a policy on the property. We spent quite a bit of time on the phone trying to even figure this out. Considering that we have been calling Dovenmuehle and emailing and sending messages through the website, the customer service level has been absolutely awful!! Our insurance agent is contacting Dovenmuehle to get them the insurance policy but the way we have been treated by Dovenmuehle is abominable and the incompetence that seems to run rampant throughout their organization is frightening. We do n't know who to turn to for assistance since we can not seem to get any answers from Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Account Control Technology, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hard for me to repay too many fees and federal taking all my taxes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently during the pandemic fell behind on my payments in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed on XXXX and XXXX of 2020 were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2019-06-11
Company: CITIBANK, N.A.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Canceled previous Citi card as it was lost. Received new card which I have yet to activate. Company allowed a reoccurring charge after denying it for two weeks on a card I have yet to activate. 
Citi states they gave the new card info to the merchant XXXX. I never gave permission for this to happen. If I wanted anything anymore from XXXX I would have activated the new card and inputted new payment info.

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 2017-08-01
Company: The CBE Group, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are owed {$500.00} from XXXX XXXX and they have refused to pay for damage done to our roof while installing XXXX XXXX XXXX. Instead of paying us the {$500.00} they have ignored and state that we owe them {$340.00}. We have disputed this. We have been receiving harassing calls from their collection company as many as 3 calls a day. As an example on X/XX/2017 they called three times from two different numbers. They have sent email when told not to contact us via email and send any communication via US Mail. We have filed a formal complaint against XXXX XXXX XXXX XXXX XXXX for refusal to pay for damage to our roof caused by their installer.

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 2020-06-30
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX  and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB : XX/XX/1992 My addition address is XXXXXXXX XXXX XXXX   XXXX FL XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: LA
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 have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters

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