BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: AG AH LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arc Home LLC is our mortgage lender, who has failed to pay my Q3 & Q4 XXXX property taxes from my escrow, resulting in XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX taking actions to file a lien and proceed with a tax sale. The loan number is XXXX. My mortgage payments are always current & the escrow account is sufficiently funded. I've been sending delinquent tax bills to Arc Home beginning XX/XX/XXXX. Copies of all my correspondence are available upon request. I have been calling Arc Home customer service repeatedly for months and can not get any resolution. Every promise to pay they've made to me has been broken. You never speak to the same person twice & they will not share their last names, direct tel # or email. I have received NOTHING in writing from Arc Home acknowledging my correspondence, or indicating they were even looking into this. Arc 's customer service is HORRIBLE! And it takes on average 4 - 5 minutes to get thru their automated call menu before being able to speak with anyone ( never the same person ). On Monday they told me the problem was they couldn't get ahold of the XXXX Tax Collector, so at that point I called the tax collector myself & put her on a three way call with Arc Home. The Tax  Collector denies ever hearing from Arc Home or receiving any of the emails they claim to have sent her. At this point Arc Home still has not paid the delinquent taxes and refuses to give us any indication when it may be resolved. Arc Home told me to 'disregard the threats ' by the Tax Collector as it is not my property (? ) Is there anything that can been done? I'm now receiving notices of tax  sale from XXXX XXXX for these delinquent taxes. I just want Arc to pay my property taxes! 
In full disclosure - in XXXX we purchased the adjacent vacant lot  ( XXXX XXXX XXXX XXXX, which was legally consolidated with our existing property in XXXX. Copies of the deed consolidation were sent to Arc Home. The XXXX tax assessor did not consolidate the lot & block numbers until XXXX. However Arc Home did agree to pay all taxes & actually did pay the Q1 & Q2 XXXX taxes. This outstanding issue of delinquent XXXX  since XXXX XXXX is on that vacant lot, which was consolidated last year with our existing home / property ( copies available upon request ). 
Please advise what you need from me. Thank you very much for your time. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, cell # XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Miller, Stark, Klein and Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Yesterday, the company responded to your complaint number XXXX, In their response, the company stated, " We have closed this in our office no further contact will be made with this consumer. '' Today, at XXXX XXXX EDT, the company placed the same robo call to me. They stated that several complaint had been filed with their office. They stated that my cooperation was required. They did not identify the company or the individual calling. The call came from ( XXXX ) XXXX, again with a spoofed caller ID name. 

Clearly, the company misrepresented themselves to the CFPB in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was enrolled at XXXX XXXX in XXXX and they filed for bankruptcy and closed before I was able to complete my degree. In XXXX, Navient contracted XXXX to collect my defaulted student loan. XXXX reached out to me and offered to allow me to settle for less then the full amount. I did not have money at the time and asked if I was able to pay, if they would remove it off my report. They said Once Navient receives the money, they will take care of that. They told me I would have to make the payment by XX/XX/XXXX. I called around the middle of XXXX to ask for an extension, which they said an extension would mean they couldnt honor the settlement. I even called back the next week and told them I did not have the full {$2000.00} and if I could settle for XXXX and they again said no. On XX/XX/XXXX I called in and when I couldnt I paid the XXXX. They told me they would take the {$2000.00} and hold it for a month and then update my account accordingly. I have been calling at least 4 times a week begging for them to fix my report correctly so I can get approved for a home. Every time I call they give me attitude and tell me that I have to wait 30-60 days but its not XXXX. I kept telling them you guys are reporting it incorrectly and Navient did nothing but send me to a fake voicemail which I have left so many messages on and havent received not one call back. I decided to create an account with them and when I did it said that my account was still in default and I owed a past due balance. I have complained so much and Navient had not helped me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Choice Recovery, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Commonwealth Financial Systems, Inc.
State: LA
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:
Hello, I am asking for assistant with Common Wealth Financial. I disputed this collection agency on XX/XX/XXXX and the month of XX/XX/XXXX. I am requesting a validation of the debt ( not a verification ) that I have a signed contract signed with Common Wealth Financial per Fair Debt Collection Practices Act laws. I also request a contract validation of my signature and their signature not a copy of a bill. If they can not provide documentation I request that this debt be removed from my credit file with all three credit bureaus, per Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XXXX XXXX, 2021, I submitted a letter asking XXXX  and Transunion, to remove the accounts that were identified as a result of identity theft. 

They responded with a letter that verified all of the accounts. How can you verify accounts that are result of identity theft? 

on XX/XX/2021, I filed my FTC report to identify items that are reporting on my credit file as a result of identity theft. 

XXXX  has blocked me out of using the online function of view the completed disputed, and disputing through the online function. But they also verified the accounts again. 

XXXX  and Transunion, has been operating in violation of the consumer rights because the accounts that were listed on the FTC report should have been blocked from my credit file in 5 business days. I have submitted numerous disputes identifying the errors in their system in regards to the accounts listed and yet the accounts still remain.

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: TN
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: General Motors Financial Company, 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:
I am currently a victim of identity theft which is why I filed a police report with the XXXX XXXX police department as well as a FTC report. I did not authorize these inquiries to be placed on my credit. I never wanted to apply for auto loan with these companies please remove them immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  wrote and said this debt valid with no proof or validation they have not investigated this debt or proved it's validity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: IL
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:
This is a continuous problem from cfpb # XXXX dating back to XXXX. XXXX, XXXX. 
In XX/XX/XXXX I received an e-mail from XXXX XXXX that there was a change to my score. It stated that a CO ( charge off ) was placed on my score. Then on XXXX XXXX, XXXX my score changed again and placed the CO ( charge off ) back on with a negative -87 points. I need to know what is going on. My current lawyer XXXX XXXX, says he has not received anything from the collection agency nor XXXX  XXXX XXXX, nor have I received any information. XXXX  XXXX XXXX chose to put my account in " collection '' rather than taking me to court to prove my case. Do to me having a major XXXX I chose to offer XXXX the deed to my property to rectify this debt. I had to secure a senior living complex to live in at that time-last year. In trying to obtain this living arrangement XXXX took {$10000.00} from my account unknowing to me until later. To me this act was not " Just '' or " Fair '' do to the fact the debt was placed in " collection '', and my only funds is my pension with no Social Security payments because I do not qualify with only 31 credits. I would like for my lawyer or myself to find out if the deed offered was accepted or not. 
I pray that this problem is solved once and for all, I have suffered XXXX and a XXXX from this going back to the initial problem back in " XXXX '' with the loss of {$10000.00} and over the years paying two ( 2 ) lawyers.

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: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a bunch of checks from my mom to me for work I had done over the last year and her bank sent one of the checks not paid so for the last 7 days including the the weekend me and my mother mad multiple calls doing what ever pnc asked and they still have a hold on my funds now I have been lied to by the bankers from pnc and it got to the point where I could not feed my family all for a check signature that my mother authorized and fix with her bank and mine over the last seven days and still one of my accounts is still on hold this is bull and I am completely sick to my stomach because of how horrible these people are that just keeps putting the hold on so I cant do anything and they blocked my atm card so I cant access even the money that is released I believe that this was intentional to hurt me and I have no idea why but I think its time I talk to an attorney about this entire situation because I believe this is completely unfair I have done nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I paid oof my XXXX credit card and closed the account. The company refuses to close my account. My credit reports I owe them XXXX as shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I bought a dog from XXXX in XXXX Texas, it was a promotional and it was 12 months 0 % interest and this was right before Covid 19 hit. So right before it happened I lost my job so I couldn't get unemployment. During this time I was able to find a job at XXXX and make some payments then when I was struggling to put food on the table I find out the banker that petland is XXXX XXXX XXXX and they had a Covid relief program where you could apply and it was 3 months no payments and no interest well I had to apply twice. They added late fees as well as once they second time was up they slapped me with huge charges. My dog went from XXXX to XXXX. So once this happened I went about my day until I could just pay it off. Well now that it's paid off guess what they do. They added a late fee for this month though I don't have a balance. This has docked my credit almost 200+ points. This needs to be looked into deeper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I mailed a dispute letter along with a police report and Affidavit of Fraud to Experian credit reporting agency regarding some accounts that were not opened by me. There was a fraud alert placed on my credit file on XX/XX/XXXX, however the accounts I disputed were never investigated as I requested. 

On XX/XX/XXXX I spoke to a representative at Experian, she informed me that the accounts were never placed in dispute, she then claimed to have put both accounts in dispute while I was on the phone. 

On XX/XX/XXXX I called and spoke to XXXX in the fraud department at Experian, she informed me that the XXXX XXXX acc # XXXX opened XX/XX/XXXX, was placed in dispute, however was an automated verification stating that information XXXX XXXX have in their system match the information that was reported, therefor Experian left the frivolous information as is on my credit report. 

XXXX also stated that the XXXX XXXX acc XXXX opened XX/XX/XXXX account was never placed in dispute as i requested on XX/XX/XXXX and on XX/XX/XXXX. XXXX also state that she was able to locate my police report and the ID Theft Affidavit i sent to them however she doesn't know why the accounts were not previously investigated in XX/XX/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 2018-12-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have four different promotional purchases through Care Credit. 
Transaction on XX/XX/XXXX was for a total purchase of {$880.00} and still has a balance of {$550.00} because Care Credit has not placed my {$200.00} per month toward this promotional purchase first. 

Instead they have placed my payment to a transaction from XX/XX/XXXX that was for {$3300.00} with a balance of {$1100.00} remaining that does not have a promotion ending until XX/XX/XXXX.

The transaction from XX/XX/XXXX has a promotion ending on XX/XX/XXXX so with Care Credit not applying my payment to the oldest transaction first they are fraudulently going to charge me {$380.00} in interest on XX/XX/XXXX that should not be due as I have paid over {$3400.00} since this transaction incurred and they have not paid off this transaction first. 

I believe this to be fraud and I have called Care Credit and spoke to XXXX Agent XXXX out of XXXX XXXX Michigan and she stated she can't do anything about it the system won't allow due to some regulations. This was not disclosed to me and I believe that Care Credit is trying to bait and switch customers with this practice. 

I want it evaluated and I need assurance that they will apply the payments to the oldest transaction first and assurance that this erroneous deferred interest charge will not hit my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was contacted by a woman named XXXX XXXX from Arizona, we had been talking to each other for roughly a month and the topic of money came up. She had offered to send me {$4500.00} to help with costs of me moving into a new house. We had tried to do a money transfer through XXXX which I had used before but it didnt work. Then she had sent me an e check to be deposited online through my bank app on my phone. Once the check was deposited she had requested I sent her back {$500.00}. I did so, but once I began to question why I had received several threatening messages. I had then been contacted by several emails, phone numbers, XXXX, XXXX, from all different names. I was receiving terrible threats and this is when I had blocked all contacts linked to her and made my initial report for fraud. I then contacted my bank a few days later when I noticed my account had been overdrawn {$4000.00}. The bank stated there was nothing they could do to help me regain the funds I had lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions 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:
The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # 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