BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 am A VICTIM OF IDENTITY FRAUD, My information was used to open accounts fraudulently without my consent or authorization. Last XX/XX/XXXX, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting them to remove its fraudulent account from my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent account, with required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company responded by saying the account I had disputed was no longer in the file but its still there, and even confirmed that the account belonged to me. For yet another time, my FTC report attached clearly shows this fraudulent account which I need to be deleted asap : BANK OF AMERICA Account Number : XXXX, Opened Date XX/XX/XXXX, Balance {$20000.00} Am looking at legal proceedings if this company does not delete this fraudulent account from my credit report. Attached here with the earlier dispute I sent to this company and my FTC 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 non-monetary relief
Consumer complaint received 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 I received a call regarding A XXXX Credit Card with Capital One. The fact that I didn't verify any other personal information besides my name. The caller kept telling me to settle this matter. The caller told me that I was the one who went into the store and took the merchandise. I told him I was feeling harassed and preferred to be contacted by mail and he continued on. The caller called me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I hope all is well. On XX/XX/XXXX, while I was still away on business, and eventually en route back late evening from Florida, there were multiple fraudulent transactions which had taken place in the vicinity of XXXX XXXX. 

Upon review of my account on Monday, XX/XX/XXXX, I discovered these transactions, which were still pending at that, and called into to my bank, TD Bank, to ask about further color on these transactions.

While speaking to TD, they disclosed to me that the credit card transactions had taken place on a number linked to my account, which should have been shut down in XXXX. In TD Bank 's words, the account was " closed improperly ''. These transactions on that particular card number should never have taken place. These transactions totaled {$120.00}. 

In addition, there were multiple ATM withdrawals which totaled {$630.00} on that day. In addition, there were 6 inquiries on these atms on my account, with additional charges totaling {$18.00}.

I was also told that " Leadership '' would be calling me within 24-48 hours, as they were going to review the process around closing down that particular credit card number linked to my bank account from mid XXXX. I still have not heard back from " Leadership '', some 5 days later. 

The charges ultimately did not post to my account until XX/XX/XXXX. I was told I have to wait until these charges posted to file a dispute. 

Also, I had called to get the location of the XXXX XXXX transaction, hopeful that I could have it looked into by XXXX XXXX Police. TD Bank had informed me that they were unable to find that information, knowing only that it took place in XXXX XXXX. 

I have also filed a police report, and have shared the police case number with the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09
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:
Hello XXXX XXXX loan should be updated as closed and paid off. Document as proof attach

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 2018-01-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have applied for loss mitigation through our mortgage servicer, Shellpoint, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXXand have been trying to get help since XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and Shellpoint want to ignore the federal laws and illegally take our home from us. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Consumer Financial Protection Bureau : I am writing you to report that a collection agency, Portfolio Recovery Associates, is trying to collect debts from me that they did not sufficiently validate to me, upon my request.

I responded to a letter from Portfolio Recovery Associates requesting specific validation information that they did not provide. They also claim that they requested information from me, but they never did.

The validation information they did supply was merely generalizations of debts that have no clear indication as to the ownership of the debt, the right for them to collect from me, and lack of proof of any obligation that I entered into with them.

I want to submit a complaint.

Herewith attached are a record of correspondences Ive had with Portfolio Recovery Associates, detailing the basis for my complaint.

I trust you will address this matter accordingly.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Account was hacked and I filled police report, me nor the officer and get in touch with the investigator, whom seemed to disappear after I filed police 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 2021-12-08
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Financial Recovery Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called Financial Recovery Services Inc. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: MA
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:
The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; PORTFOLIO RECOV ASSOC XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: Netspend Corporation
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a dispute with Netspend and they only pad 3 of the charges disputed as part of a lost card others were denied without explanation and their customer service was unwilling to connect me with there dispute team just explained they concluded fraud did not occur when it was over a lost card and if they believed me and disputed some after and in-between why did they not believe me for other claim XXXX they denied. They also added my last valid charge i made on account for XXXX to dispute which wasn't even connected to my lost card and added it as well to dispute when i explained to their customer service multiple times that it was my last purchase and i wasn't disputing it and also informed them via email to there dispute team this same information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dont understand how a utilities s bill can be placed on credit reports. It has nothing to do with credit. I never obtained a loan or a line of credit. Never received notice that I had a delinquent XXXX bill. I was recently paying on my XXXX bill so the amount they claim I owe can not be correct whatsoever. XXXX never tried to contact me about a past due amount and when I checked my account awhile back I was up to date. So Bonneville Collections needs to remove there collection against my credit reports unless they prefer to pay more in a court trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: WA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: AES/PHEAA
State: CA
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:
For a few years I have been on an income repayment plan with FedLoan. The monthly payment was {$330.00} for a few years. Today I received a phone call from FedLoan saying that my loan is in default, yet I have not missed a payment in the last few years. I am told that my repayment plan was not renewed in XX/XX/XXXX and the payments I have been making each month for the last year have only been partial payments. I had assumed everything was okay. I spoke with them in XXXX of last year to clear things up and I was told it would be okay and continue making payments. Now they are saying that I am more than $ XXXX in back payments ( again making payments each month ) and that it is affecting my credit history. I thought my credit history was okay but I did not know that I was in this type of trouble. Not only that but my payments for the last year do not count toward my repayment in 10 year plan. What can I do? My father was in the XXXX XXXX but has since died in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started the processing of Refinancing my existing mortgage with PennyMac in XX/XX/2021. I locked in with a rate of 2.874 % paying .8 % origination fee ( {$3300.00} ). The loan estimate was accurate. 

I received my closing disclosure in mid XXXX which reflected an origination fee of 2.7 % origination fee ( {$11000.00} ). 

Needless to say, I was completely shocked by this {$7800.00} increase and no one from PennyMac bothered to call about this increase. I would have expected to receive a Revised loan estimate and a call from the loan officer / processor to say what caused the change.

After contacting the loan officer, I requested a {$6000.00} lender credit. I wanted a credit for the full difference but they would not do that. I was verbally told that the Sales manager approved the lender credit. However, when I received the final CD prior to closing, the lender credit was NOT included. On the day of closing, I had to call back again to get that corrected. The correction came back with only {$5500.00} instead of {$6000.00} as previously discussed. Per the Sales manager, {$5500.00} was the limit of what they could do. 

In summary, The XXXX  process was completely ignored on my loan. To learn after 60 days with not phone call or email, that your fee increased by {$7800.00} is completely wrong. 

In addition to the XXXX origination process issue, the appraisal process was also poorly handled. An appraiser was assigned and showed up as expected. The house was under renovation and the appraiser had a hard time figuring out how to appraise the property. We discussed the renovations and offered to provide estimates of any work that she deemed necessary to meet the inspection requirements. Two weeks pass and the appraisal is scheduled for delivery and I receive a text message from a second appraiser requesting a date to inspect the property. The first appraiser completely bailed on the project and PennyMac was completely in the dark about the situation. When I contacted the processing team, they had no idea what had happened. They suggested that I contact the appraisal company to find out. This is NOT my job. 

Anyway, after another 10 day delay, the second appraiser did a great job and was successful at delivering a viable appraisal. 

We did close on the the end of XXXX, but it was the most painful mortgage experience that I've ever been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX. My complaint is in reference to Transunion reporting a plethora of inquiries on my report which I have disputed and made them aware that I did not authorize these inquiries. They refuse to honor my dispute, investigate, or remove these inquiries from my report. 

XXXXXXXX  ( Retailer ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : XXXX XXXX XXXX, XXXX/XXXX - XXXX XXXX, 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