BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I viewed my credit report and found two collections from the same company. 



I never received any correspondence from them saying I had a debt. 
Debt Recovery Solutions {$940.00} Debt Recovery Solutions {$270.00} On XX/XX/XXXX I mailed a debt verification letter ( non certified ) to the collection agency and credit bureaus. I received no response from the collection agency and the bureaus response was that the debt was valid. I never received anything validating the debt. 

On XX/XX/XXXX I mailed a pay to delete for both accounts in an effort to just get it off my credit. To date I have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: IN
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:
Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit reportXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Also these inquiries are fraudulent and not mine and need to be deleted from my credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Rent Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rent Recovery Solutions says I owe them {$910.00}. I already pay this debt off to them back on XX/XX/XXXX of XXXX. I sent them a cashiers check in the amount of {$5100.00}. I then received an email from them saying that I owed XXXX dollars, and that my account was now closed. I received this notification on XX/XX/XXXX of XXXX. The debt was removed from my on-site rental history report as well as my credit report. In XX/XX/XXXX, rent recovery sent me another bill in the amount of {$910.00}. Since we had already negotiated the original debt, and I paid off the agreed upon amount, they should not be saying I owe them money again. About two months ago, I submitted a dispute describing the situation, onto the on-site rental website. I heard back and was notified that the debt was valid, according to XXXX. The notification also said that if I did not agree with the decision, that I would need to talk directly to Rent Recovery Solutions for Resolution. I first started calling Rent Recovery Solutions about four weeks ago. Every time I called, no one was able to figure out why I owe for the {$910.00}. They said that I would need to talk to the woman who was assigned my case, Miss XXXX. I called repeatedly over the next couple weeks, and Miss XXXX was never there. I asked to be forwarded to a supervisor, and they transferred me every time. This went on for two weeks, and every time they forwarded me to a supervisor it went straight to a voicemail. I would leave an in-depth explanation of why I was calling, and I would played that they called me back soon as possible. I have never received a phone call back from them. My husband also has this debt on his on site rental report. He needs to move in with me into my apartment I live in now, but he can not be added to the lease as long as this debt still shows on his on site report. If he is not on the lease, I am not allowed to have him live with me. He is in ill health and needs to live with me now more than ever. It is as if Rent Recovery Solutions is holding my life hostage by not helping me resolve this situation in any way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out debt validation letter for multiple accounts listed on my credit report on XX/XX/2021. I sent the letters to address listed for Profit Services Group on credit report. They did not accept or pick up my letters and they were returned to me 30 days later.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an account and multiple inquiries on my credit report I do not Recognize

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 2021-09-20
Company: Tate and Kirlin Assoc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.

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 2021-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I bought my house @ XXXX XXXX XXXX, XXXX, PA on XX/XX/XXXX, and in XXXX, I took a Home Equity Line of Credit ( HELOC ) By XXXX, I forgot I had the HELOC. 
I went in Citizens Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX &, I saw my checking account, the HELOC account &, another checking account I thought closed by the senior representative, XXXX  , a decade ago! 
s I filed a complaint with the CFPB and received knee-high statements used in a bizarre manner yet no one contacted me!? 
The HELOC was used in a bizarre manner and the account XXXX XXXX me charged fees if I ever used the HELOC to make transfers when, in fact, there are no fees and he never closed the account! Now I know what money laundering is about & I have been paying since XXXX never knowing it was used because of no statement in 20 years!? 

Also, I saw that the account he was supposed to have closed remained open and a fraudulent XXXX XXXX check was deposited into the fraudulent account but io knew o made no claims with my homeowner 's insurance & I sat in XXXX XXXX XXXX office for 4 hours, only to learn what I already knew... I had no claim! 

Citizens used my vulnerability due to the loss of my mother in XXXX to their advantage and forced me to pay for what they know I never used 1. The PERSON FROM THE Office of the Chairman said " ... case closed! '' It is not closed as I am still paying for something I never used &, forgot I had! I also never got a statement! 
When I asked how I withdrew the money, where it went, they told me it was taken electronically ( how convenient for them as no camera view of person ) &, they couldn't say where it went!? '' I don't have any proof as I never got any statements for over 20 years until I filed a complaint with the CFPB in XXXX Statements show use in a bizarre manner but Citizens One did NOT contact me to check if it was me?. - {$10.00} five times a day or {$20.00} - 5 times/day!? 
I earned a XXXX XXXX XXXX with a XXXX GPA from a major university &, worked my way through undergraduate school as a XXXX XXXX. only saying because I'm an educated person and this makes NO sense. 
I never got a statement in 20 years and thought that was because I never used it! 
t thought banks are where I put my money to be safe! 
Citizens taught me that banks are NOT where I put my money for its safety!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have closed my Chase credit card by paying the entire amount which I owed in the amount of {$300.00} on XX/XX/XXXX, that amount was withdrawn from my bank account as well. However the company attempted to withdraw money which was an autopay from my account every month since then and attempting to Charge me. I did call my bank, XXXX XXXX XXXX XXXX, and stopped this payment. 

Inorder to understand why Chase is attempting to withdraw money again which is an amount of {$400.00} as of XXXX, XXXX, I did speak to multiple representatives and they all provided me different answers. None of the representative was able to explain where this > {$400.00} coming from. On XX/XX/XXXX when I payed off the balance and closed my credit card, the representative I spoke with had clearly informed me of no further charges exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a home mortgage with Wells Fargo for XXXX years. I rented my home out to some bad renters and my insurance company sent me a check for {$5400.00}. The check was made out to myself and Wells Fargo. After I spoke with Wells Fargo, they said to sign the check and send it to them, they would endorse it and return it to me. XXXX XXXX showed up the next day, picked up the check. I signed it and the check was overnighted to Wells Fargo. I continued to call over and over about the check and my account was charged to a bad account number and it has been a year. The check has NEVER been returned to me. I contacted them about doing a HAMP refinance since I made repairs out of my own pocket. They have since started foreclosing on the house and refuse to return the check.

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 2021-09-20
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've held Banco Popular 's XXXX XXXX Visa Card for a couple years. My annual fee for the upcoming year posted recently and I decided I no longer wanted the card.

Called to cancel the card and have the annual fee reversed since it is for the upcoming year ( XXXX ) and Banco Popular refused to credit me for the annual fee even though I am no longer holding the card ( it has been canceled. ) The annual fee posted on XX/XX/XXXX and the card was canceled several days after that. Further to this, Banco Popular is now charging me interest on the fee. 

Upon further inspection, I am not sure that Banco Popular has honored my request to cancel the card -- it appears to still be open on the online portal even though they confirmed to me over the phone that they had canceled the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was approved for Public Service Loan Forgiveness and my loans were transferred to " FedLoan ''. I am aware that this company has a history of problematic customer service, inaccuracies, and untimely handling of basic essential functions. Of course, there is no alternative servicer under PSLF so I am stuck with them. They have already delayed my first payment back a month ( originally scheduled for XXXX, but moved back to XXXX XXXX. I signed up for Direct Debit payments. I have multiple emails from FedLoan confirming my enrollment and scheduled XXXX payment. Despite this, they failed to take my XXXX payment and now have my account listed as delinquent. Unless they correct this error FedLoan will be directly responsible for stealing XXXX months of - what should have been- qualified payments under PSLF from me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Check Security Associates, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Receiving phone calls at work threatening to notify my employer of old payday loan debt. Advised caller I ca n't accept personal calls at work but he persisted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2021, XXXX XXXX XXXX XXXX XXXX ) forbearance is terminated as of XX/XX/2021, requested Wellsfargo for a loan modification ( Hardship ) due to XXXX was injured on his job an placed on limited duty, that prevent XXXX to resume XX/XX/2021 payment. 
On XX/XX/2021, XXXX contract Wellsfargo for a follow up due to notice that was initiated by Wellsfargo dated XX/XX/2021. Wellsfargo representative with a name of XXXX XXXX declared that as of XX/XX/2021, XXXX application was approved, XXXX requested for a copy, the Wellsfargo representative was unable to provide documentation.

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 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I used to have a free checking account at Bank of America. I wo n't pretend I 'm a perfect customer. There have been times when it 's been my fault that the account was over drafted and fees were charged. However, now that I 've been more careful about my spending, I still get charged fees. I have auto transfers set up to move {$550.00} out of one account and put it in another from which I pay my rent. It 's supposed to happen 2x a month on Friday, the day after I get paid. On more than one occasion, BofA began processing that transfer on Tuesday or Wednesday and charged me fees because the balance in the account was below {$550.00}. I intentionally set the transfer to happen AFTER pay day so I would n't encounter that problem.

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 2017-04-27
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting valid proof of the alleged item. Additionally, I 'm requesting the original contract or document with my Name, Address, and  Signature.  Also, the Name, Address, Telephone number, and signature from the original creditor  XXXX   XXXX   XXXX  University  . If  the requested documents can not be produced. Please delete the item in question from All Credit Bureaus. Please see attached document for the items requested.   Thanks ...

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 2021-09-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment for XXXX is missing. I did not identify my mortgage account number on the XX/XX/2021 check. I have the canceled check paid to the mortgage company. The check identifies the moneys were paid but the mortgage company have not posted the moneys to my account. I have not received any communication regarding the check written to my mortgage company-NONE. 
I have reported this incident to the mortgage company several times via. They said they would elevate the issue to their missing payment department. I have submitted via fax and emailed cancelled check, cash info. letter and bank statement to support that the mortgage company cashed my check to the missing payment dept. as advised by my mortgage company. Days weeks months go by I follow up with the mortgage company, they respond like I havent done anything no responses to the faxes or emails this has been going on since XX/XX/2021. In XXXX I go to the bank thats identified receiving the mortgage payment check and they advised me to request HELP from CFPB. Please please help me get my mortgage account out of default.

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 2017-10-09
Company: EQUIFAX, 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:
My identity was stolen XXXX XXXX and reported to authorities, 7 year freeze placed. 
XXXX XXXX reported XXXX inquiries to Equifax, all fraudulent. All other creditors corrected/updated information with XXXX credit bureaus but NOT XXXX. 

I disputed with Equifax and XXXX reported " inquiries are a factual record of file access '', which THEY ARE NOT. I tried calling both numbers provided by Equifax to contact the creditor in order to dispute the unauthorized access. First, called XXXX XXXX XXXX XXXX, referred me to ( XXXX XXXX XXXX, customer service stated XXXX XXXX was a credit card company and to contact XXXX XXXX XXXX XXXX. Both times I actually reached them, they hung up on me BUT not before telling me applications can only be seen for 60 days, so even if applications are fraudulent, can not be removed if made over 60 days ago. Unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: AK
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:
Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) XXXX fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Issue 1 - XXXX QWR 's submitted with no response to ALL questions. The biggest factor is they are collecting Arrears and not applying any monies towards Principle and will not offer a complete accounting of arrears collected. Attached are all QWR 's and responses incomplete. 

Issue 2 - How can they collect mortgage on an inactive MIN/MERS number? MIN XXXX - Being inactive implies it was paid off. 

Issue 3 - Where is proof of service, and location of where the debt is recorded, Contents of notice, under TILA they are required to show a secured transaction between XXXX and Greentree. 

issue 4 - When a clear and complete accounting is offered it should include the rework of XXXX XXXX Post petition charges to have PMI removed an amount less {$180.00} per month. The bank still collected this money, and when the PMI refund was accounted for, this amount should have gone towards principle. 

Issue 5 - the XXXX QWR 's requested the current balance and a payoff amount. this has never been supplied. 

We could go on about proof of notice of claim transfer, proof of mailing of notice, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Frost Arnett uses all sorts of tactics being a debt collector. I actually had another number at the time and told them to cease and stop contacting me. I never gave them permission to contact me I am not even sure how they got my number. I changed my number and they still contact me multiple times throughout the day all day long. It is a automated prerecording. They used to leave voice messages but that stopped. Under the Telephone Consumer Protection Act they restrict the use of automated phone equipment and this is a violation also under the Fair Debt Collection Practices Act because this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage and Select Portfolio Servicing is the servicing company. We have made repeated attempts to get a payoff so we can pay our balance in full. First they told us it takes 72 hours. When 72 hours passed they then said it takes 5 business days. I know other servicers can have a pay off in 10 minutes. This mortgage accrues interest daily and I am not being allowed to pay it off!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation