BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had applied for and used an Amazon credit card that was serviced through Chase Bank. 

About two years ago, I closed the card and put it into repayment. I made on-time payments every month and did everything I was supposed to as a customer. I paid off that credit card a few weeks ago by paying a lump sum. In the process of paying that account off, I spoke with three different people who assured me that no further payments were going to be withdrawn from the checking account I had initially authorized, and no further interest was going to be charged to the payment account. 

About a week after I paid off the card, Chase applied another interest charge to the account. I had to call and have the interest payment adjusted and removed from the account. 

Yesterday, Chase Bank took another {$49.00} out of my checking account. I did not authorize this payment. In fact, I explicitly spoke with numerous people to make it clear that any further payments out of my linked account were unauthorized. At no point during that process was I ever sent to appropriate department to cancel the rest of my payments. Now that my checking account is nearly overdrawn, and a XXXX-dollar bank is wrongfully in possession of my money, I can't get a straight answer about when I can expect the stolen funds to be returned to me. 

One Account Supervisor promised that they were going to send me an email so that I could confirm that I wanted electronic deposit. The next account supervisor then informed me that " it was possible '' I could receive an email confirming that I wanted electronic deposit, but if I didn't, I could expect a check in the mail in the next 7-10 business days. 

No other bank has ever been this unresponsive to my needs. They act as though they've done me some great favor, but I'm really disappointed and excited to tell people not to use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that TransUnion as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately. 

On XX/XX/18 I mailed the attached notice of dispute requesting physical verification per FCRA section 609 ( a ) ( 1 ) ( A ). Delivery of certified mail was confirmed on XX/XX/18 On XX/XX/18 TransUnion sent 2 correspondence to my address completely changing my name. Listing me as XXXX XXXX XXXX XXXX. The first letter stated I needed to verify myself. The second one stated that these accounts " AREN'T '' listed on my report. I responded and sent a copy of my bank statement on XX/XX/18 to confirm my identity. On XX/XX/18 I received more correspondence from TransUnion. This time it was a full report. The report included the accounts that I stated but still did not state that they were initiating an investigation from notice of dispute. So it is without a doubt that my identity was confirmed if TransUnion mailed a credit file to my address. XX/XX/18 was 30 days from confirmed certified mail delivery date. A week later XX/XX/18 I reported TransUnion to CFPB for not following the reporting regulations of responding to my dispute within 30 days. 8 days later on XX/XX/18 TransUnion only responded with this statement. " After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. '' The original notice of dispute was mailed to their appropriate address which handles consumer relations and " confirmed delivered '' XX/XX/18. So there wasn't any need to state what they obviously already knew. This was just a way to buy themselves more time which isn't justifiable with the proof of I've provided via the attachments.

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 2018-10-30
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
11 XXXX XXXX is not mine to the best of my knowledge

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: OH
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 buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : 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 2018-10-30
Company: AMERICAN EXPRESS COMPANY
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:
XX/XX/2018 Due to technical error at bank no direct deposits were issued causing fees for past due accounts. 

Called received an email acknowledging errors and told they had fixed the problem. 

XX/XX/2018 Direct deposit again not posted now due to another system error. Now the apartment is seeking eviction due to two late payments. Other services such as gas, electric and Cable also paid late fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out loans to pay for XXXX school and my loans were re-sold to other companies often and could not keep track of my loans until ultimately purchased by NAvient. As a XXXX XXXX I paid tuition with loans and was offered only forberance options. AS a XXXX making minimal money I was constantly put in foreberance as my " best option '' until I completed XXXX. By then my {$200.00}, 000 loans were now over {$320000.00} with over {$100000.00} of it at 8.9 %. I was cheated and never offered incombe based repayment plans until more recently and still have over {$100.00}, 000 in debt after already paying over {$200.00}, 000 to NAvient. I still live check to check because of these loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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:
defamation of character. 
XXXX said my XXXX shows a late clearly from XXXX paid on time never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
defamation of character. 
XXXX said my XXXX  shows a late clearly from XXXX paid on time never late

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 2021-01-21
Company: Experian Information Solutions Inc.
State: MN
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:
Creditors are reporting reporting inaccurate information. I tried to get it removed from credit report but the credit bureaus are saying they cant read the 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 2018-10-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was in the citi bank settlement and never received paymens at this time i have no accounts at this for banking my address is XXXX XXXX XXXX XXXX ca XXXX for XXXX XXXX XXXX my phone number to reach me at is XXXX. also I was in the XXXX XXXX settlement and i never received the refund also the citibank settlement either. also I'm a victim of identy theft where someone one has open all kinds of accounts with my info first XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, citi bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and taxes with XXXX and receiving payments with XXXX  for XX/XX/XXXX XXXX XXXX  XXXX and XXXX powerball payout. my ca dmv id XXXX was stolden for a whole year that they were using last year with my info I just recived a new one in XX/XX/XXXX XXXX if theres any way you can help me pleas contact me by mail XXXX XXXX XXXX XX/XX/XXXX ca XXXX or phone XXXX thank you sincerely XXXX  XXXX   als they had many XXXX XXXX  acciount with my info and XXXX cards

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : 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 2017-06-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served a claim/judgment form Midland funding for the amount of XXXX. I noticed this account on my credit report and have written the 3 bureaus to please validate debt. I have written the 3 bureaus several letters within the last 6 months. Now i have been served court papers without proof the debt belongs to me. Midland funding or the 3 bureaus has not sent me validation of the debt. I am making this complaint because I feel I am being sued in error with no proof. I have requested for Midland to produce any credit application signed by me, to please produce all statements from beginning to present and to produce detail regarding alleged charges by amount, type and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
incorrect about my escrow going up my home owner insurance is XXXX a year and my county taxes with school taxes included are XXXX ... this company has over charged my escrow for yrs and then they ( Owen loan servicing ) sent me recently a check of XXXX in which they say that they owed me since 2 years back that money. the reason they sent that check is when I told them that I was tired of what they were doing to me and that I was going to report them with consumer finance protection bureau that's when I received that check. We purchased our home XX/XX/XXXX with XXXX XXXX XXXX in which that company went under XX/XX/XXXX and then Owen loan servicing came in to be the mortgagor. I have been paying my home since XX/XX/XXXXit is all recorded in XXXX county and in XX/XX/XXXX Owen loan servicing started collecting payment of the same loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Paypal Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This matter is regarding Paypal transaction XXXX. On Wednesday, XX/XX/2018, around or about XXXX XXXX I attempted to make an instant transfer payment through my PayPal account ending in XXXX in the amount of {$49.00}. The Paypal system submitted an e-check for payment instead of an instant transfer WITHOUT any indication that the system was about to conduct this transaction INSTEAD of the transaction I AUTHORIZED. The system subsequently debited my XXXX XXXX XXXX  account ending in XXXX for a transaction I did not AUTHORIZE! On this same day, Wednesday, XX/XX/2018, I spoke with 3 representatives on 3 different occasions. I spoke with the first representative Wednesday, XX/XX/2018, around or about XXXX XXXX. I spoke with the second representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX, and I spoke with the third representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX. All 3 of the representatives provided 3 different answers to my case diametrically different from each others ' answer. Ultimately, leaving my case unresolved. After checking my disputed case each day after my dispute, I contacted their disputes department to follow up on the resolution nearly a week later on Tuesday, XX/XX/2018, around or about XXXXXXXX XXXX. At that point a representative informed me the e-check, I explicitly indicated to the 3 representatives, on Wednesday, XX/XX/2018, that I did NOT authorize their system to submit AND withdraw from my XXXX XXXX XXXX  account, cleared for payment. I disputed this transaction again on Tuesday, XX/XX/2018. The transaction reference number for this dispute is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a complaint being filed after the denial of an assumption of a loan in XXXX as the " successors in interest ''. After the death of my father the borrower ( Estate of XXXX XXXX ) and my mother who died several years later ( XXXX ) was also denied assumptions of the mortgage. I'm now requesting assumption but was denied by all mortgage servicers, including Shellpoint. I was unable to have communication because I was not the borrower, but they had death and deed - right of tenancy of survivorship documentation. The also stated I needed to probate the property. In Florida XXXX, my father 's attorney provided the proper tool ( RECORDED DEED ) to avoid probate, especially due to my mother 's declining illness. 
All three servicers, XXXX, XXXX, and Shellpoint denied the opportunity for assumption of the loan as " successor in interest ''. It been over three years and I have not been able to be placed on the mortgage to receive loss mitigation opportunities to remain in the home even after two hurricane disasters -- Matthew and Irma. My RESPA and TILA have been violated. I have reached out to XXXX XXXX and have a case that is currently under review ( XXXX ) ; however, Shellpoint has a sale date for XX/XX/XXXX, that needs to be removed and forwarded in writing. I'm being dual tracked by all involved and forcing me to spend revenue on legal advise when it not necessary especially during the holiday season. 

The numbers in regards to the payoff of the mortgage are questionable. Huge questions in regards to legal fees, late fees, PMI, and predatory lending to the elderly. I have asked for a overview of the loans, " mortgage notes '' by all mortgage holders from the inception of the XXXX mortgage in XXXX. My father was clear about succession of the property, the transferring of deed was recorded in XXXX, several years before his " DEATH ''. And the balloon mortgages with XXXX, XXXX, and Shellpoint needs auditing before assumption. While XXXX XXXX XXXX was the original attorney used to foreclose on the loan, there have been several law firms thrown at my fathers estate, and not one servicing agency was willing to communicate with me ; ultimately coming back to foreclose without speaking or meeting with me in court -- mediation, arbitration, etc. My due process as the successors in interest to the property has been violated and criminal. The XXXX XXXX XXXX changed its name after not so great reviews with their relationship with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Trying to link my PNC account to XXXX XXXX XXXX for direct deposit grant disbursement. It says " We are currently experiencing connectivity issues with this bank. If you try to connect, it is unlikely to succeed. '' I would like to fix this issue and will call my bank during open hours tomorrow to see if they have fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Unauthorized inquiries data from a dates from XXXX t0 XX/XX/20.

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