BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-06
Company: AVANTE
State: NE
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt has been re-aged. I 've filed disputes and had the credit bureaus remove this debt, multiple times, and each time, a new company buys the debt and reports it as new debt. It is not new debt. I have not even lived in XXXX in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
This debt was acquired by a individual who I was going to move with, so we filled out the forms for the apartment and he gave a deposit check/ by the way his name is on that account only, not only that the apartment application was denied because of debts on his credit not mine soooooo I don ; t understand why they think they cn naow put this on my report when i was not denied the apartment as well as i did not give them the check so how the XXXX is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have attempted to contact Coinbase for over 3 months. I have opened multiple service tickets with them but have recieved absolutely no communication. They have basically stolen my money at this point and I have no recourse to get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25
Company: Halsted Financial Services, LLC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They call me multiple times per day and when I answer most times there is no one on the line to take talk to. After receiving five call in one day with in a few hours of each other, I answered and someone was there to speak to. I told him to put me on do not call, I would call them when I had the money to pay my debt. He told me " I will not take you off the call list and you will continue to get calls '' he then hung up on me. Since this phone conversation the collection company continues to auto dial me several times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Case Reference : XXXX This is my last hope. PayPal have decided to hold my funds against my will for 180 days and permanently limit/ close my account. I have asked them for a legitimate reason and they refuse to resolve this. 

I have provided every single piece of information regarding the transactions and how these funds were obtained. I am an XXXX seller and I provided receipts, as well as buyer feedback to show they were satisfied with the items sold to them. PayPal have just decided to take my funds for 180 days of XXXX. I was advised to contact this government website as you may be my last hope in trying to get through to them and get them to appeal this decision. 

I'm a XXXX XXXX XXXX XXXX this money is a lot to me and I need it to pay rent. It is completely obtained legitimately and this was already provided to PayPal as proof which I still have if you need to see. I have 100 % feedback on XXXX  and have never had any issues in the past! 

PayPal is refusing to overturn their decision and have stopped responding to me. 

I have almost lost all hope. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This is to inform you that Specialized Loan Services approved me for a loan modification, but after 60 days, they have not recorded the note or notified me of the loan modification being completed on their part. 
I have made my monthly payments on time, but instead they have send me monthly statements that show higher payments than we had agreed to, unclear charges and attorney fees that are not part or listed on modification agreement. 
attached you will find copies of statements and loan modification. 
thank you for your help.

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 2017-01-31
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Specialized Loan Servicing on XX/XX/2016. My mortgage payment was due on XX/XX/2016 I made the payment of XXXX on XX/XX/2016 to the original creditor. The new company is now applying my payments a month behind and reporting my account as delinquent. I have sent them proof of all payments but they will not correct the mistake. I have also called the original creditor and they claim they are due that payment from XX/XX/2016 and when the loan was transferred it was marked current with the next payment due on XX/XX/2016.

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 2015-04-30
Company: Fenton & McGarvey Law Firm, P.S.C.
State: KY
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was in a lease in 2001, I turned the vehicle in and XXXX XXXX bank signed off that nothing was owed and everything was in good repair. Now they are trying to come after me for money, {$1700.00} when I never even owned a debt in the first place. This has been over 14 years ago, I do not even owe it and they are trying to garnish my wages and charging over 200 % interest. This is illegal. XXXX XXXX bank has no record of it, obviously this is fraud. I believe they constantly harass me because I am a woman as well, this is not even a debt, they brought this from the woodwork and cannto provide me documentation of it, nor can XXXX XXXX, it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: AES/PHEAA
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:
FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3800.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3300.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$7500.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$2200.00} I'm just concerned with the certainty and precision from your current inspection together with the missed payments meant for this particular account and also how it is reporting on my credit report. Around 45 days ago I demanded an investigation on the grounds that I noticed the item is just not being recorded recently. To my shock, I have gotten a notice mentioning that your examination was achieved and that the item had been " tested as reliable. Within Section 1681 ( g ) please make sure to generate me along with a brief description of the process utilized to validate the account is " reliable '' and give me the name and addresses of persons asked in every rule found in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection company insists that I have a debt from 2007 for an XXXX. Debt is supposedly {$2000.00} and they first started calling me a month ago. I have never had a 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 2015-07-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing accepted funds from the Hardiest Hit Fund and applied {$77000.00} to the loan and it was current. I have been making payments on time with no issues since XX/XX/XXXX-XX/XX/XXXX i tried to make a payment for XX/XX/XXXX and the customer service representative XXXX XXXX told me that my mortgage account was in default and i had not make a payment since XX/XX/XXXX. Then she did some research and told me to call back in 5 days and that she could not accept a payment, and i informed her that i need to make a payment in order to keep my loan current, and she hung up the phone in my face. 

I called back on XX/XX/XXXX spoke with customer representative and he informed my that the hardiest hit funds had not been applied to my account so my loan had to be recast to include funds that had not been applied to my account this was a surprise because i have made all payments on time and i have proof with my bank statements and i informed him that i have not missed a payment and he told me he can see that in my payment history however i will not be charged a late fee when i pay within 48 hours. 

Called back on XX/XX/XXXX spoke with a supervisor XXXX XXXX and he advised me that he was creating a ticket so that they can apply {$77.00} and my last 8 or so payments and the loan will be current within 48 hours. I am so confused about how i have spoken to more than XXXX customer services representatives and none of them have no idea what is happening with my Home Loan that was current for 9 months then all of sudden it is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.

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 2016-10-04
Company: Western-Shamrock Corporation
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I just became past due on my loan today, and this is the XXXX month. I called the company both months to let them know I couldnt pay.They have my phone number & told me couldnt get ahold of me because my mailbox was full.which is untrue! Plus kept calling my references which I told them to stop.The girl on the phone said they have to continue to call until its paid but I asked why if I already called them to let them know I could n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: D&A Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a VM from D & A Services stating that the call was regarding a debt and to call back. The collectors ' name was XXXX XXXX and phone # was XXXX. I then called him back. I got in touch with XXXX XXXX. He asked for my name, which I gave him, then preceded to tell me about the debt. Only after that did he give the mini Miranda and then asked me to verify my identity. I asked for a manager, who he transferred me to. While explaining to the manager ( cant remember his name, sorry ) the situation, he kept interrupting me simply to say that I have every right to file a complaint, but if I was to resolve " properly '' to give him a call. he " informed '' me that nothing was incorrect about the way the collector handled the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Progressive Financial Services, Inc.
State: AS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
many years ago i had XXXX installed in my home XXXX to XXXX rooms then i returned all equipment and discontinued service because they were raising prices to extent. so then they said i did not return a box from XXXX or later. i went down took all the equipment i had leased and was paying for monthly then they came up with equipment was not turned in now i was only getting charged monthly for the equipment i turned in they came back saying the i owe XXXX for equipment.. From XXXX they have been reporting to credit bureau and hitting my credit.

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 2021-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it may concern, I recently challenged the validity of PRA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am having a hard time getting a direct answer to my issue. I have excellent credit. Had a car loan from XXXX XXXX XXXX. Never missed a payment or late on a payment. Decided to pay off loan amount so as not to incur addition interest payments due to the pandemic. Checked my credit score on XXXX and XXXX  and they dropped my score 20 points. Spoke to both agencies and they informed my it was due to the fact that I closed an account. I explained to both agencys that I did not close the account. The account went into fee simple status because my loan was paid in full and it was a legal obligation for XXXX to close the credit line upon loan being paid in full. They informed me it is still deemed as a closed account. So I pay my loan in full and they are justified in lowering my credit score. How about the fact that I eliminated almost {$5000.00} of outstanding credit that in practice should by agencies standards raise my score. I never miss a payment and pay my loan off early and I get my credit score dropped 20 points. This is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I noticed a charge from XXXX for {$21.00} that I did not make. I immediately disputed the charge and had them close the card and issue a new one. I tried reaching out the restaurant that the charge was made at but the restaurants phone number was disconnected. Keybank has the account flagged for having a dispute but no provisional credit has been issued and the transaction is still pending resolve over 2 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Stellar Recovery, Inc.
State: NC
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:
I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: JPMORGAN CHASE & CO.
State: OH
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:
My account ending in XXXX ( Chase United Card  ) was closed on XX/XX/2021 due to my credit which has dipped due to the COVID-19 pandemic and XXXX XXXX being closed. 

I have had an impeccable reputation with Chase including my Chase Checking and Credit Card accounts. My Chase card has never had a returned nor late payment in past two year or so. My card was always paid on time. If not half the balance was normally paid off, the full balance was paid off. 

I called XXXXXXXX XXXX and they advised me that my account was closed due to credit review and there was no chance of reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My long term bank, the USAA Federal Savings Bank, is requiring that I answer a number of questions of a personal financial nature before they will allow me access to my accounts. They are effectively locking me out of my accounts preventing from all functions. How can they do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans sent me a letter that they will refund the amount of {$5000.00}. Instead i received {$4700.00}. I called customer service asking why the amount was less and they could not come up with an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020. I requested Transunion and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is inaccurate.

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 2016-05-26
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-09-15
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To obtain student loans my personal information was submitted to the Creditor without my knowledge and without my personal signature to validate any of the information given by the individual who received the loans. I requested over and over again for the company and collection agencies to please stop all collection efforts toward me. I provided proof that the signatures on the applications, did not match my signature, the spelling of my last name, address and place of employment all are incorrect on their loan applications. I disputed the accounts because they are NOT MY LOANS, NOR DID I CO-SIGN for these loans. These loans were granted to the individual without my knowledge and without any request from the creditor asking for approval as a co-signer. I am getting repeated requests and notices from different collectors to pay these loans. I have asked for collection actions to stop and for them to remove the negative infomation from my credit record. My requests go as far back XX/XX/XXXX via phone conversations, then via writing starting in XX/XX/XXXX. Now, they have turned this over to an Attorney firm that is once again sending notices threatening to take action. These are not my loans and I need this to stop as soon as possible and removed from my credit record. This is interfering with my health and mental ability to stay focus.

Company response to consumer: Closed with explanation