BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Procollect.Inc contacted me two years ago to collect the debt that I did not owe. After receiving the evidence of the debt I found that the debt is owed to other person and I let Procollect to know that, but they kept trying to collect it from me. Finally it was disputed in XXXX 2016 by the credit bureau, XXXX, after I provided evidences to them. 

I got a letter from Procollect again about the same debt they tried to collect from me until last year, which I did not owe. 

I would like to remove this debt from my credit report and hope this will not happen again.

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 2017-02-04
Company: Innovis
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been a consumer of XXXX XXXX credit card for years. I called Innovis Consumer as well as filed a dispute with them regarding falsely reporting that my XXXX XXXX account is closed/charged off. They claimed, as of XX/XX/2017, that they reinvestigated it and status did not change. I called XXXX XXXX and complained about them reporting my credit card as charged off. XXXX XXXX assured me that they did NOT report that my card is closed or charged off nor is it deliquent. XXXX XXXX also sent a letter stating the same thing-account IS and ALWAYS has been, in good standing. Innovis did not and can not provide me with the name, phone number and address of the PERSON, not computer, that told them the account is charged off as of XX/XX/2017 for {$690.00}. My card continues to be active and in good standing. Innovis 's failure to accurately report to all major credit bureaus has caused XXXX, stress and financial hardship. Denied credit increases and cell phone purchase due to the recent error it reported. Calling and sending letters to Innovis has fell on deaf ears. XXXX XXXX continues to advise that the credit reports are wrong ... but I am stuck in the middle. Innovis Consumer has caused harm to me financially, with their failure to really pick up the phone and verify information. Clearly there is a computer glitch that no one has the time to correct, at my expense!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: TRUSTMARK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2012 I contacted trustmark bank to provide them with my mothers death certificate and my contact information as the payments would be made until I could get an attorney to probate the estate. In order to proceed the attorney would like up to 6 months to probate the estate as well as give time for the property to sale and close. 

This option is requested because the value of the home has been appraised at $ XXXX give me time to work with the attorney and the realtor in order to pay off and sale the property to another owner. Where this would allow me and my brother to obtain some legal compensation for the only asset left behind by my mother. 

Hold off on foreclosure proceedings and allow me to sale this home. 

So that me and my brother can be financially compensated for our pain and suffering during this difficult time with the death of our mother XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir and/or Madam, Please take a very serious note of the financial stress and issues I am experiencing from XXXX of XXXX to the present, as a result of overcharged taxes by Bayview Loan Servicing, of which I have completely documented with substantiating legal proof to that effect. It is extremely important for legal record purposes, that Consumer Financial Protection Bureau is well informed that all efforts on my part have been exhausted due to Bayview Loan Servicing unprofessional excuses and inability from its staff to problem-solve this matter. As a result this major problem and sub-issues are continuing with bulling treats from XXXX XXXX XXXX regarding an upcoming foreclose to my mortgage. 

The following is a summary about the history of the overcharges and financial crises that XXXX XXXX XXXX has inflicted with discrimination on my finances and ability to meet monthly obligations with mortgage payments and living expenses : On XXXX XXXX I received a called from Bayview Loan Servicing informing me that I had a shortage on my mortgage which would be increase from XXXX XXXX because of tax and insurance. I asked to send a statement that was sent and it shows charges for Tax-XX/XX/XXXX and Tax- XXXX XXXX XXXX for the same amount of {$1200.00} My Tax for XXXX was already paid by XXXX XXXX in my mortgage on XXXX/XXXX/XXXX. I called Bayview Loan and talk to several representative and supervisor that recognize the problem and promise to make correction. Each time I called they tell me to wait 60 days, then 30 days, then a Supervisor told me that she will call me back in 15 days knowing that in 15 days my account would be transfer to XXXX XXXX XXXX XXXX. I have continue to pay my mortgage for {$1000.00}. XXXX XXXX has been taking over my account since XXXX and know about the problem and said that they are looking into it since XXXX XXXX they told me to wait 60 days and still charging me late fees and my escrow account as increase, causing me difficulty in paying my mortgage. I have been calling to solve the problem and a representative said that do n't call back she will call me I have been waiting for over a month and I have n't heard from her but I am receiving calls from the collection department treating me of going into foreclosure. I feel that they are taking advantage and stressing me out for a they XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Lamont, Hanley & Associates, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, I paid Lamont, Hanley and Associates {$86.00} to pay an old collection debt in full. I have payment receipt. They agreed to remove the record from my credit report and did not do so. I filed a complaint XX/XX/XXXX and spoke with a rep who stated they would remove the record in 10 days. I pulled my credit report today and the record still appears as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-07-08
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am a consumer with Santander Consumer USA Inc and I was trying to pay {$200.00} and they are still requesting the full amount XXXX and I only get unemployment check due to COVID 19 and I tried to speak about the payment plan they refused to take my payment of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Back on XX/XX/XXXX, I wired some money to my cousins bank account using western union, when my cousin went to the bank on numerous occasion 's to get the money, she was notified by the bank that the money was not there, I contacted western union about this and had an investigation done. since then, the money has still not been picked up by my cousin and the bank confirms that the funds are in the account, but they keep telling my cousin that the money is not there. Her account is currently closed and the bank refuses to furnish western union with the proper documentation needed to refund my money. it has been over 30 days with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bay View Servicing at XXXX continues to call us daily even though we have never been late on our mortgage payments. We asked that they stop calling over XXXX days ago. They continue to keep us on a dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: P.S.C., Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/XXXX I was informed by a lender that unpaid medical debt showed up on my credit report XX/XX/XXXX for services provided by a doctor in XX/XX/XXXX. 

As far as I know I paid all my copays and deductibles in XX/XX/XXXX. I was not notified by the doctor that any further debt was outstanding. 

I contacted Puget Sound Collections to inquire about the debt and to validate it was correct. They told me it was for unpaid medical bills to XXXX, but that is all they would tell me. They referred me to XXXX who told me I had a {$0.00} balance and referred me back to Puget Sound Collections. I 've spoken to XXXX people at Puget Sound Collections and XXXX people at XXXX and none can verify or validate the debt. 

The second woman I spoke to at XXXX told me that a letter is sent every month for XXXX months if a balance is due and on the XXXX month it automatically gets sent to collections. She did n't have an answer as to why mine would 've been sent almost XXXX years instead of XXXX months later. 

I asked Puget Sound Collections to take the negative marks off my Credit Report until the debt was validated and they refused multiple times. The reason they gave for not notifying me prior to sending the account to the credit Bureaus is that they are not licensed in my state. 

I verified with both XXXX and Puget Sound Collections that they have my current address and phone number. 

Puget Sound Collections has told me, in no uncertain terms, that I must pay them without verification of the debt before they will remove any negative remarks. I consider this extortion. 

It 's my understanding that if Puget Sound Collections reported inaccurate information to the Credit Bureaus that is considered fraud.

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 2019-05-11
Company: Experian Information Solutions Inc.
State: IL
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:
today I went to auto dealer they checked my credit on all three agencies. 
experian- XXXX XXXX XXXX and XXXX- XXXX but since experian was low FICO score they wanted to charge 7.9 % interest This is definetaly cheating ... ... ... ... Why can't we have all three credit bureaus some what similar FICO score. Since all lenders look at FICO

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 2015-10-30
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Fund transfer was done on XXXX XXXX 2015 and suppose to be delivered to receiver by XXXX XXXX 2015 but till XXXX XXXX fund not received. As per Western Union money delivered to Receiver 's bank and Case XXXX was opened and resolution till today. receiver have to go to the bank every day to check but no fund in the account and receiver 's bank has no record of fund transfer received from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
BYL is listed on my credit file as an unpaid debt. I have no idea what this is for, and they have never sent me anything. This is unfair collection tactics to just place something on someones credit file without verifying if the debt is valid. I want this removed from my credit file. They are causing me financial harm because I am trying to refinance my home. Their tactics are deceptive by never contacting me before putting something on my file that is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Credit Collection Partners, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Number called my cell phone the number was XXXX, they said i had outstanding debt, which i do not, they said i could pay this debt online, i went to XXXX and the first page comes up with a description of what accepting yes means. Problems is before clicking yes, you are given no information on the debt how much of the debt or what type of debt it is. They are asking me to take ownership of debit which is not mine, this is so wrong on so many levels. Check it out. go to the site and put in your full phone number and zip code and i bet you have the same debt as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My bank account was levied without notice or legal service. The bank representative gave me the phone number from the levy documents, which led to the XXXX XXXX Sheriff Dept. When I contacted them, they gave me the court case number for a legal action of which I was completely unaware. I immediately pulled reports from all XXXX reporting agencies, and not one report listed a delinquent debt. The court clerk did give me the name of Law Offices of Patenaude and Felix, a firm whose name appears in countless internet searches as predatory and abusive debt collectors. Therefore, this levy is an illegal collection attempt and an probable example of zombie debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
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:
I paid off the lease on XX/XX/XXXX. 
I live in an Electronic Lien and Title state where this should have been electronically processed with the North Carolina DMV immediately - yet they have yet to receive any notification that the loan has been paid off. In the DMV records, they sent the paper title to US Bank in XXXX at the initiation of the lease and it is still marked as 'leased '. 
I have spoken with many different departments at US Bank over the course of the months requesting that the ELT process be redone - to which they said that was impossible. 
Then US Bank said they would send out a notarized Release of Lien to enable me to get the car titled in my name at the DMV yet as of today, XX/XX/XXXX - I have not received that. US Bank is unable to give me any tracking information on this document though they said they sent it on XX/XX/XXXX to my current address. 
When I speak to them they are unwilling to reinitiate and send in a trackable format. Each department sends me to a different department, saying they will " look into it. '' I feel like they have effectively stolen the car from me. I paid them, yet I have no proof I own the car so I can not sell the car - which I need to do immediately.

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 2016-03-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
some one used my social securty number to open utility accounts now i can not create social security 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 2016-01-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I keep disputing the payment history for XXXX XXXX XXXX accounts on my credit report. Every time I dispute they keep saying that the payment history date is right but the date changes everytime I dispute. First it was Collections XXXX, then XXXX XXXX, then XXXX XXXX, now Collections XXXX XXXX. Why does the payment history Collection date keep changing? It is supposed to be collections XXXX. I paid these accounts in XXXX and have letters to prove it. I also included reports from XXXX XXXX showing payment history Collection XXXX XXXX, XXXX XXXX report showing collection XXXX XXXX, and XXXX XXXX report showing collection XXXX XXXX. Fix or I will sue you for reporting false information! And I already called XXXX and they verified what I said and sent me the letters verifying payment in XXXX. They said I would have to fix it through cfpb.

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 2021-07-08
Company: Experian Information Solutions 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:
Ive sent multiple letters to Experian about an account which they keep reporting on my Consumer Report. They claim that they verify the account but neither the " creditor '' nor Experian provide proof of such verification. Pursuant to 15 USC 1681b, they are required to receive written consent from the consumer ( me ) to report on my Consumer Report. I have sent multiple letters stating that they have not received nor do they have my permission or written consent and if they can, to please provide me with the proof, to which their representative responded with " we don't have to give you anything ''. Ive submitted multiple complaints with the CFPB and they refuse to answer to them claiming that there is an unauthorized third party in the account and that I need to call to give them authorization, but when I do call, they have no knowledge of any third party, authorization nor the response that they have given to the CFPB. All 3 Credit Reporting Agencies are required to have the exact same information on their reporting. XXXX  and XXXX  are not reporting these accounts on my Consumer Report, yet Experian refuses to follow suit. Experian has been using inaccurate and false reporting practices which have resulted in damages to my reputation as a Consumer and credit worthiness.

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 2021-07-09
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a savings, checking, and credit builder acct with Chime and had my unemployment being direct deposited. Last week a day before my deposit was set to post Chime froze and then closed my acct without any explanation and refuses to return my money. I had {$240.00} in my savings and then I had my direct deposit of {$200.00} & {$300.00} put into my checking and credit builder Acct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a collection on my Experian Credit report from XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX from XX/XX/XXXX. This account appeared on my credit report in XX/XX/XXXX. I disputed it and it came back verified. So I called the company and spoke with someone named XXXX, I explained to her that I never had Progressive Auto before, she checked my file and stated her self that they did n't even have my date of birth on file, she then stated she was going to get in touch with Progressive and send me what they have on file for me. I received XXXX because there was nothing to send. I called EXPERIAN AND I asked them how are they verifying the information without any proof. They told me that they only send the dispute off and the collection agency either verifies or update, so I basically asked her so they are n't sending any proof just hitting verify and you all do not bother for them to send any proof. That is NOT how the FCRA works. Both companies are not following the guidelines of the FCRA. This account is not mines, no one is submitting proof, I do n't have a letter or anything and they just slapped it on my credit report. I am being going in circles trying to get this taken care of. EXPERIAN does n't care and XXXX just threw something on my credit report with validating or verifying or did not send me anything in the mail, and XXXX admitted not having my date of birth on file. Please help me in this matter.

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