BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: Greentree & Associates
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2010 Greentree serviced my loan. Two years ago I discovered that there was a class action lawsuit against them. I sent emails to people claiming that they were representing victims but I never heard from them. I can share more details but I feel I was a victim of predatory lending practices. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-06-18
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has been re-aged. The original account was from XXXX XXXX, dated back in XX/XX/XXXX. Phoenix financial purchased the account and re-aged it to show the original debt was in XX/XX/XXXX. I asked  them in a recorded conversation to update and report the account accurately. They refused to do so and stated that it would fall off my credit in 7 years unless I paid them money, I refused. If every creditor sold a debt after 6 years and the new creditor reported it as new debt, the process would always continue to be on my credit. Please correct this and report the debt accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
US Bank was the title holder on my car, which was included in my bankruptcy in XX/XX/XXXX. The bankruptcy was successfully discharged in XX/XX/XXXX. I received notification from my attorney in XX/XX/XXXX that there would be a final hearing on XX/XX/XXXX to complete the bankruptcy. I was called by the attorney 's assistant and told that it was complete. They would send me paperwork and fax a copy to US Bank to release the title. 
I called US Bank starting in XX/XX/XXXX asking about the title. I was told they did not get any paperwork from the attorney 's office. I waited 30 days then called again. I was told it was in " processing ''. that it would be 7-10 business days before I received it. 
Same story every month. XX/XX/XXXX I called again. Different person. Said she would send the request to the processing people. I called back XX/XX/XXXX. The processing people said they did not receive that request ; call back in a week. I did. I was told at that time that the title lien was released to the county where I lived before I moved to XXXX XXXX TX. on XX/XX/XXXX. I called XXXX XXXX County and they said they had received it and I could apply for it over the phone with them that day. I finally got the title 10 days later. I am appalled that the US Bank personnel could not look in their records after one of my phone calls and tell me that the title had been released. And why to the County? Why not to me?

Their business practices leave a lot to be desired, and their phone message that the call may be recorded for training purposes is a hoot! Who are they training? Certainly not the people who call themselves customer service representatives!

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 2018-06-14
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband took a reverse mortgage in XX/XX/XXXX on our home, I was not XXXX at that time, he passed away in XX/XX/XXXX and the mortgage company ... .. XXXX XXXX, is now foreclosing on my home Refusing to allow me to become a non borrowing spouse. I have been thru 4 mediations with them and submitted extensive documents and was even approved for the XXXX according to HUD But the mortgage company refuses to acknowledge it. I need direction as to what my next step should be to save my home. I can not afford the fees an attorney will charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received an email on XX/XX/2020 stating that I owed a debt to a payday loan company and that I can settle it by paying in 2 installments. They also stated that they will garnish my paycheck from my employer for the amount of {$1300.00}. When I started to reply stating that I could not pay, they started to threaten me with taking the issue to court and being arrested and put in jail for a year. I started to question them with details of the company, their company name and requested the documentation of the loan, they kept threatening me with arrest. They also have been emailing me to give them information as to when I would pay them. I emailed the loan company that they say I have a unpaid loan with and they stated that if the emails are threatening arrest that they did not come from them. I have the emails and I can forward them if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I began receiving payments from unemployment and on XX/XX/2021 PayPal without notice closed my account with limitation of not being able to withdraw or add money to my balancevwhich is a little over {$4000.00} I have contacted them and asked for a partial release they will not give it to me this is my car payment money and my rent money now that I have also become evicted for my home I have one small child that lives with me at three dogs what are we supposed to do where we supposed to live what are we supposed to eat if PayPal has all my money please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account was removed by CFPB from all three credit reports due to not being verified as being mine According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-01-17
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I called and spoke with a women representative early in the day before XXXX   CST, around the XXXX. I was unable to resolve my issue with the representative about my login to my account issue. I tried to reset my account and my set up answer and password were not recognized. The BlueBird.com ( AMEX Corp ) representative told me she could not give me information over the phone even if she was directly speaking with me. It is very frustrating that my account username : XXXX could not login to add funds as a preferred than going to XXXX to add money. I intended to add only {$2.00} to test the card out to see if this Blue Bird prepaid card/account would work for me. So far, it seems very inconvenient, as I had hoped. Should my issue not be resolved with online account login and my original password and answer to my account security question can't be reset, it seems I wont be able to use BlueBird prepaid card and simply use a local bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2013 with a balance of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Hosto & Buchan, PLLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
on XX/XX/XXXX I lived in XXXX and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX not my ex he was in XXXX They original company sold the loan to a company in XXXX that collects old debt and XXXX is a wage garnishment state, XXXX is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in Arkansas in XX/XX/XXXX I called them and said I dont live in XXXX I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in nc will do wage garnishments but XXXX   will and being I do not live there how can they sue me the truck was repo from XXXX and me and my EX live in XXXX plus XXXX has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.

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 2020-07-29
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe PROFESSIONAL DEBT MEDIATION this debt of {$2800.00}. Even the documents I received AFTER the debt was placed on my credit report show that I do not owe this debt. I can not even imagine how they arrived at that figure. I have requested that they remove it from my credit because I do not owe it and because they posted it to my credit before first contacting me. However they changed the amount owing instead of removing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a victim of identity theft in XX/XX/XXXX and XX/XX/XXXX. I was working with a company through XXXX. The company was named XXXX XXXX. They had an FBI agent come to our house and pick up packages we had not ordered and take information from us. XXXX XXXX told us to pay the amount on our credit cards that we owed and not pay the fraud charges. American Express said since we paid anything that means we are responsible for everything. XXXX XXXX said they had settled everything but would not send us any paperwork. Now American Express claims I owe {$21000.00}. Most of these charges were made out of state. My wife is XXXX and I am XXXX years old. We never travel anywhere. 
I have called XXXX XXXX several times. They are no longer associated with XXXX. They claim they do not keep any records. They will not help at all. 
In XX/XX/XXXX I spoke with the fraud department of American Express several times. Although they said they were looking into it, nothing was settled. 
I need help because I do not owe this money. I thought this had been settled 2 years ago. I have filed a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
For the last year Specialized Loan Servicing is claiming I am behind on my home mortgage payments, however I have checked with my bank and all my payments sent in by checks have been cashed through them. Basically, specialized loan serving is claiming my payments on not on time or being sent in, when the checks have been processed. Now, ai am at a loss of what I can do becuase I have been paying my bills and this compnay has been cashing the checks, so why are they saying I'm not making payments. 

You may email me at 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 2020-10-12
Company: FIRST ADVANTAGE CORPORATION
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:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Information belongs to someone else

Complaint:
In XXXX of 2021, I noticed there were multiple unauthorized, inquires and addresses listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries or addresses. I submitted a letter, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Certegy, XXXX 's chech cashing verifying service apparently has information under my consumer file that isn't mine. I was turned away from cashing a check from work twice. When attempting to inquire/remove the information I received no response. After numerous failed attempts I still can not cash a check from work any where that would use the same service to verify a check. I would like this information to be removed and any debt that coincides with it, in hopes that I may not have to drive all over just to cash my church and pay my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX/XXXX/2020, I requested MERCHANT ADJUSTMENT SERVICE ABOUT AN ALLEGED DEBT OF XXXX THAT THEY SAY THAT I OWE AND I HAVEN'T HEARD BACK FROM THEM SO I SENT THEM ANOTHER LETTER ON XX/XX/2020 REQUESTING INFORMATION ABOUT THE SAME DEBT THAT THEY SAY THAT I OWE.FIRST THIS IS A HIPPA VIOLATION BY REPORTING MY MEDICAL INFORMATION THAT I DIDNT AUTHORIZED.I ATTACHED A COPY OF THE LETTER BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: National Recoveries, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was lied to by national recoveries inc about what my payment options were, advised to send my husband 's income with out his authorization. I was told I had to pay XXXX dollars a month and get garnished. I am now approved for a consolidation I took out with out the collection agencies help because they said I did not qualify. The never returned my calls and left me feeling like I had accept the garnishment or pay XXXX a month which would have put me in a financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency continuously seeking an astronomical amount of money that I had already paid down before I was XXXX on XX/XX/XXXX for 15 months of XXXX I was just released on XX/XX/XXXX and now I'm being bill by this agency for more than the amount of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited check XXXX for XXXX electronically. The full amount was deposited into my account on XXXX On XXXX My purse was stolen out of my car and I called to notify Arvest of potential fraud on XXXX. I canceled my debit card and requested a new one. 

On XXXX Arvest pulled XXXX from my account stating it was a duplicate. That day I called to notify Arvest that is wasnt a duplicate and my employer rejected the second check. I was then informed after those funds had been withdrawn that it was deposited into an account at XXXX XXXX XXXX on XXXX. 

Falsely endorsed and deposited into a fraudulent account. Identified by XXXX XXXX XXXX. I have submitted documents from my employers bank stating it was fraud and they only honored my first deposit which had been in my account over 30 days. I also submitted police reports including proof this was fraud. 

Arvest has failed to acknowledge fraud after filing 6 different disputes and refuses to return my funds. Also failed to flag initial fraud on my account when duplicate check was identified. 

I have included the supporting docs and screenshots of Arvest site and how to deposit electronic funds. It does not state that the owner of the check is responsible for the loss if fraud is attempted on a second deposit nor does it state mobile deposit must be written on the back of check or customer will be held liable.

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 2018-05-06
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
Company claims its reporting too the 3 credit bureaus, and bureaus no such reports has been made to them. In fact XX/XX/XXXX & XX/XX/XXXX there were no reports submitted at all.and the balance of the credit remains the in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief