BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER have recently obtained and reviewed my credit file and notied an inaccurate and unverfied account being placed on my account negaively and reporting to the three credit bureaus.

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent.

These entities are a third-party debt collector and have no right to my Consumer Information ...

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Therefore these alleged accounts which have been recently deleted not be resold and not attempted to be added to my credit profile in the future or be in further violations. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-10
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 status incorrect

Complaint:
account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX XXXX  and Transunion did not even after I sent them proof of this please help 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 non-monetary relief
Consumer complaint received 2018-09-24
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I completed a rehabilitation program with Navient and had no contact with them until XXXX or XX/XX/XXXX. I asked for a hardship and explained to the rep that I was seeking employment that would help me pay my student loan back. When I called back in XX/XX/XXXX to inquire about the hardship deferment i was told that my account was to XXXX. I asked XXXX when the account was transferred and was told XX/XX/XXXX. At this point XXXX said I am in permanent default. 

Navient did not inform me that i did not have time to get a particular job. Nor that I was facing forever default. After the rehabilitation was over I was disregarded and moved on to another piles to be financial ruin. I had contact with Naivient while XXXX says that the account was with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Agency On XX/XX/2021, I contracted Coinbase in regards to someone hacking my account. There was a breach with all the emails at XXXX. Coinbase responded in a timely fashion about 24 hours later. The XXXX was a XXXX  but XXXX the XXXX, I received an email starting the recovery process for my account. It's been three days and today is the XXXX of XXXX and I have not received any word from Coinbase. I sent them a DM on XXXX, I also sent them another email asking them to unlock my account. 


The reason for this complaint is if this were to happen in a regular brick and mortar banking institute, I would have gotten immediate attention to this fraudulent activity that is happening to my account. As of right now, I don't know anything. I haven't been able to see my account or talk to anyone since XX/XX/XXXX. 

A. I can't call anyone either. 
B. They don't have a fraudulent department that looks into things right away. 
C. I have a large amount of money in my account. 


Not being able to contact anyone is not acceptable and they not have a more sufficient and effective way to deal with fraud must be revisited and improved because I am sure if this happened to me this is happening to other consumers. 
I am the victim here and right now I feel Coinbase is treating me like the perpetrator. 
At the same time, I am losing so much money because I am not able to trade using my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield has stated that I owe an amount of XXXX for an apartment that was leased. I have reached out to them and disputed the charge several times. This charge is on my credit report and rental history. Hunter Warfield has sent me a copy of a lease however there is not 1 signature that verifies that I signed a lease. ANYONE could have generated a lease and filled it in with numbers but there is not one initial or signature from myself or my spouse. I am requesting this charge to be removed immediately. On my previous claim with CFPB, Hunter Warfield also sent a copy of the lease with no signatures. Please verify that I signed this lease or remove it from my rental history as eviction and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Stearns Ventures, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When our mortgage was refinanced in XX/XX/XXXX it was shortly thereafter reassigned to Stearns Lending. all escrow accounts were in order and in good standing. Somehow when it came time to pay the county tax something went wrong without our knowledge. Fast forward to XX/XX/XXXX the mortgage was again transferred this time to XXXX XXXX. They found the discrepancy and tried to get Stearns to correct it. They never received any kind of response to so the bill was forwarded to us. We are now paying an extra {$180.00} a month on our mortgage to cover the cost of the back taxes. We contacted the escrow company whom we closed with to find out what happened. They discovered that Stearns paid the taxes on the wrong property. All this information was forwarded to Stearns this was XX/XX/XXXX. I never heard back. We contacted them again XX/XX/XXXX, they said it would take 30 days to correct. Still, to this day it is not corrected we are still paying for their error and have not heard back. I contacted them again two weeks ago with the promise to have it looked into again but still nothing. The extra cost is becoming a hardship for our family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortage payment through Umpqua Bank was {$2100.00} with {$580.00} going into to the escrow account. The escrow was to cover an estimated {$6600.00} in property taxes and {$940.00} for insurance. After the first year, our taxes were {$3400.00} and our insurance was {$1400.00}. They collected {$7000.00} for the escrow account and on XX/XX/XXXX, issued us a refund check for {$2500.00} for over payment. They continue to estimate the property taxes for {$6600.00} and have raised our mortage payment to {$2100.00} to cover what they say is the overage in insurance. This increases the amount they will collect for the escrow account to {$7100.00}. I called and was told that the escrow account always has to maintain a balance. It currently has a balance of approximately {$1800.00} after the reimbursement to me, insurance and tax payment. I believe that my payment should decrease not increase. This is my money that they are collecting interest on when they know there was an overage prior to raising the payment. My last mortage through XXXX XXXX lowered or raised the payments based on only what they needed to collect.

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 2021-02-10
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

As THE ORIGINAL CREDITOR and XXXX XXXX XXXX I reviewed my credit file aand there a four inaccurate and unverfied accounts being reported to my account negatively by the credit bureau XXXX. 

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
LVNV, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are all third-party debt collectors whom 15 usc 1692f ( 1 ) have no right to collect nor furnish my federally protected consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my XXXX  card in XX/XX/XXXX with tax return money. I called their number, got the balance and sent the payment. After I called, XXXX added a {$4.00} interest fee. I thought the card was paid off. I did not make any other payment to XXXX as I thought I had paid off the card. In the meantime they started charging late fees in amounts more than what the actual unpaid interest was. Once I realized what was happening I contacted the company and asked them to fix the fees and I would pay the {$4.00} I missed, which I paid. They refused to remove the fees and have since charged more and more fees and interest bringing the current balance on the card to {$110.00} as of XX/XX/18. That's all interest and fees on a {$4.00} interest charge that went through after I paid the card off. I have since paid them {$5.00} ( I thought that was the fee but it was actually {$4.00} ) I cancelled the card in XX/XX/XXXX and they are continue to add late charges to a closed account. I do not understand how a bill in an actual amount of {$4.00} can now be {$110.00} in interest and fees. It's crazy. I do not want to pay them any more. I have closed my account and they are still charging fees. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: AMERICAN EXPRESS COMPANY
State: NM
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 am attaching a chat transcript of my efforts to resolve the situation. 
I signed up for XXXX XXXX American Express card in XX/XX/XXXX. The promotion offered XXXX point with the possibility of earning another XXXX points if I used the card to make qualifying purchases in a certain period of time. On XX/XX/XXXX I first inquired as to why I had not yet earned the points. I was told to check back later. In the chat session I was told that I had indeed qualified for the points. Weeks passed, still no points. I inquired again only to be told that a formal investigation had not been opened. Weeks passed again, still no points. I contacted them again on XX/XX/XXXX and got the same promise and to check back in exactly 7 days. 

This seems like a bait and switch to me. I have no balance on the card. I have paid it off every month after making purchases. I think I have waited long enough for it to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: Pacific Union Financial, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/XXXX during my maternity leave. By XX/XX/XXXX, we were falling behind on our mortgage payments with Pacific Union Financial , LLC. 

We started the application process for a loan modification through their Loss Mitigation department in XX/XX/XXXX. We continued to check in on our application and submitted and re-submitted paperwork as needed. During this time, we continued to receive certified letters from the lawyers about our house going through foreclosure. However, we thought our loan modification would stop the foreclosure. As of XX/XX/XXXX, our application was under review by the underwriter, and I was informed we would hear back soon. 

On the morning of Friday, XX/XX/XXXX, at XXXX, cars lined up outside my home, and the house was auctioned off as my young children and I sat inside. I called Pacific Union as soon as I realized what was occurring, and I was informed that our application was denied on XX/XX/XXXX, and a letter was mailed to us to let us know. We had not received the letter, as letters from Pacific Union typically arrive XXXX days after they are dated. The reason for the denial was listed as insufficient debt-to-income ratio. They denied our application, and we were not given sufficient time to stop the foreclosure from happening. I asked to speak to a supervisor, and hours later, one contacted me to just say that they sent me a letter, and thats all they could do. 

Furthermore, when the denial letter did arrive from Pacific Union, one of the reasons were denied Type I Special Forbearance was that I was listed as no longer unemployed. This is not true. I specified that I am looking for a job, but I never indicated that I had found employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AM VICTIME OF IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION RESULTING IN DEBT THAT DOES NOT BELONG TO ME REPORTED TO MY CREDIT REPORT, I AM VERY UPSET THAT HAPPENED TO ME IM A VERY CAREFUL WITH MY PERSONAL INFORMATION THIS PERSON WENT TO GREAT EXTENT TO GET TO MY INFORMATION, I WANT TO GET THAT RESOLVED. I DO THIS REPORT ASKING FOR HELP TO FIX IT.

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 2020-09-09
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: Old information reappears or never goes away

Complaint:
I never had a credit card my name was compromised

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 2021-02-24
Company: Reliant Capital Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RELIANT CAPITAL SOLUTION The debt in my name is inaccurate. I have disputed twice and they will not remove this from my account. I do not attend this college nor did I ever. I am enrolled in a separate college and dont know why I was never contacted. Is this fraud? Is someone using my name? I wouldnt know since they keep lying to the credit report saying this information is accurate when its NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18, my husband and I purchased our home using {$360000.00} of mortgage proceeds from XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase price of the home, supported by the appraisal, was {$400000.00}. At some point in the next several weeks our mortgage was sold to Home Point Financial Corporation. On XX/XX/18, after selling our condo, we sent certified funds of {$39000.00} to Home Point to pay down the principal of our loan. This payment, along with the regular monthly payments to date, brought our XXXX ratio down to 80 % based on the original value of the home. We also provided a check for {$150.00} for a new Broker 's Price Opinion to verify the value of our home and requested the removal of the private mortgage insurance of $ XXXX. However, the XXXX provided by the company engaged by Home Point showed a new home value of {$350000.00}, a drop of {$49000.00} in less than 6 months. Upon closer review, it became apparent that the XXXX used inappropriate comps. Our home is a rowhouse with no association fees, but the XXXX only used townhouses with association fees as comps. The presence of association fees has a significant impact on the value of the homes. I brought this to the attention of Home Point via email on XX/XX/18. After repeatedly following up, I finally received a response from Home Point on XX/XX/18 stating that the XXXX is accurate and we would need to pay another $ XXXX in order for the PMI to be removed on our mortgage. I've asked for further information regarding the XXXX but received no response. I've also asked for the contact info. of an individual at Home Point, but only receive unsigned communication from a general Home Point email address. We have made all required monthly payments before they were due. We can not help but wonder if Home Point is getting a kickback from the private mortgage insurance provider by ordering erroneous XXXX 's and refusing to remove PMI requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of Identity Theft through XXXX XXXX XXXX in XXXX.The latest being the openings of several accounts. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I ask that you recognize that the following accounts are fraudulent as a result of this breach : XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2017-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates continues to report inaccurate information on my credit report with XXXX, XXXX, and XXXX XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a violation of section 609 and 611 of the Fair Credit Reporting Act. The credit Bureaus have failed to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I was online at the XXXX website intending to purchase XXXX DVDs of seasons of " XXXX XXXX XXXX XXXX XXXX ''. During the process, I received an onscreen message that I had become a member of " XXXX XXXX ''. From what I recall, I stopped the process and called XXXX and told them to cancel everything. I didn't want the order and I certainly didn't want to become a member of " XXXX XXXX ''. I was assurred the account was cancelled and the order was cancelled. I then got back online with XXXX and used one of my credit cards to purchase the disc. A couple of days later, the disc arrived by XXXX, and I waited to pay my credit card bill. I never saw such a charge on any of my credit cards. Then, THREE MONTHS LATER ( XX/XX/XXXX ) I received a statement from Synchrony Bank/XXXX  in the total amount of {$100.00}, consisting of a " previous balance '' of {$68.00}, " Fees Charged '' of {$35.00}, and " interest charges '' of {$1.00}. Meanwhile, during the three month period that had elapsed, I received nothing from Synchrony Bank/XXXX XXXX., no statements, no bills, no credit card, etc. Yet, three months after the transaction I cancelled, they want to bill me {$100.00}. This is a grossly unfair business practice and I'm not paying them XXXX cent. If they want their DVDs back, I'll send them if they pay the shipping cost. But, to send me a bill three months after the cancelled transaction won't work.

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 2018-09-24
Company: Diversified Recovery Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls repeatedly. I have told them that I do not have a job and can not pay what they want due to all my accounts with multiple creditors being in collections. 

They then turn to " oh I'm calling you at this number and you are answering so that means you have money ... Who is helping you, where are you living? You can obviously afford a phone and food so who is helping you where is money coming from ". How would you like to pay this debt today. We need a payment today.

Company response to consumer: Untimely response