BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, Reference : green tree denial letter dated XXXX XXXX,2015, Labeled # 1Income was incorrectly calculated not based on correct DTI or NET INCOMEReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 2This hardship is temporary and has been resolved ; I still need a loan modification to lower my monthly payments so I can keep my primary residence and increase my earnings. 

Reference : green tree denial letter dated XXXX XXXX,2015 Labeled # 3Gross income and DTI were calculated incorrectlyReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 4From my understanding, I qualify for a streamline modification because my credit score is under XXXX and AGAIN MY INCOME WAS CALCULATED INCORRECTLEY AND MY DEBT TO INCOME IS not AccurateResolution ; I would like to see patterns from green tree lending on Debt to Income miscalculations and denials of modifications in error I am requesting a review of all financials by a qualifying manager, or VP whom has an understanding of XXXX individual, which may include review by a CPA or any qualified individual that is familiar with sole proprietorships. 

Modification has been in review since XXXX 2015, with no Final resolution. 

Green Tree is threating to foreclosure on my primary residence. I am not current on my payments and this letter is inaccurate. 

I am requesting my complaint be forwarded to the Department Of Justice and FDIC for further investigation of misrepresentation and inaccuracies for those indicated in my letter, but others with the same issues/hardships due to the economy. 

Respectfully and Humbly, XXXX 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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.I will also call my lawyer and file a lawsuit. Remove this fraud account ASAP!

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 2015-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a XXXX Cancellation of Debt form from Chase for tax year 2012. I paid income tax on their write off. However, they are still reporting my account as " charge-off '' and it is still effecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am filing the nature of this complaint the 3rd time. the two cases have been closed as the Capital One bank promised they did not fulfill their promises as noted in the two letters to contact the POCs. My bank ( XXXX ) and I, we called the POCs listed many times and no calls to date. CID # XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX and XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX. 

Finally, I reached out to Capital One bank and logged a complain citing these two letters and the supervisor called me on XXXX XX/XX/XXXX after 45 days of my call and she provided me with the fax and email address where to send Hold Harmless Letter. My bank send a letter to Capital One bank on XXXX XX/XX/XXXX and the second one XXXX XX/XX/XXXX ( attached fax sheet ) has the email address and fax number where the letter was faxed and email per direction from XXXX - Employee ID # XXXX. 

Capital One please settle this account with all the problems you have given me for over a year to return my wire transfer. 

I can be reached at XXXX and my cell phone number : XXXX. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did n't open a loan in XXXX of 2015 at 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 2016-02-22
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my property was fraudulently foreclosed upon through PNC Bank and has continued to be reported on my credit reports despite a settlement with federal regulators in XXXX. This fraudulent foreclosure and its related erroneous information have been disputed both with the XXXX major credit bureaus and with PNC Mortgage directly. I have made repeated attempts to resolve this matter, but PNC Mortgage 's blatant disregard for compliance with federal and state foreclosure laws and regulations as well as disregard for compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act have become overwhelming. I feel I have been victimized by PNC Mortgage, and that PNC Mortgage 's continued reporting of erroneous information has caused me financial harm. 
I have maintained that this " foreclosure '' was faulty if not completely fraudulent. This position is supported by the fact that as part of a settlement with Federal regulators in XXXX, PNC Bank issued a payment to me admitting that I was eligible for payment due to being victimized by their faulty lending and foreclosure practices. At that time all fraudulent reporting of the " foreclosure '' of the " account '' should have been immediately ceased and deleted. This unfortunately has not been done as of today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Direct Recovery Services has contacted not only me, but the owner of my home. A recorded message states that XXXX XXXX, and " the client they are representing is going to move forward with their complaint but I still have time to rescind the process ... '' the recording goes on with a number to call, XXXX. The recording never states who is calling, what it 's regarding, if they are trying to collect a debt or not..I did some research and found that Direct Recovery Services also has an address and phone number in NY ; Direct Recovery Services , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. There are also two websites, www.directrecoveryservices.com and www.directrecoveryservices.org. Both sites are made with a " XXXX '' account which anyone can create if they want a URL. I am very suspicious of this bottom feeder collection agency ... And furthermore, I do not owe a debt. If you review the websites, you can see that this is not a legitimate organization. They have even copied the logos of the XXXX, XXXX and CFPB, to appear accredited and legitimate. ( You 'll find this on the directrecovery.com site ; the .org site says " member XXXX '' If they were part of the XXXX I would have easily found them on this site, but did not. I also checked XXXX, they are not listed. I am quite certain they are not accredited by the CFPB either.

Company response to consumer: Closed
Consumer complaint received 2016-05-19
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
KEY BRIDGE Account number XXXX have a a unverified account from. I had previously disputed this account. I have never done business with KEY BRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt KEY BRIDGE purport I owe. I request that KEY BRIDGE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEY BRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was contacted by Mr. Cooper in regards to being required to carry flood insurance on my property due to remapping of XXXX flood maps. Upon inspection it was found that I have floodplain on my property ( as was before ) but that the structure is still not on flood plain. 

After numerous correspondence with Mr. Cooper with conflicting information, denying to even review my provided documentation, and being told a supervisor would call me back due to my request ( which they never did ), I have unfortunately resorted to settling this matter through the CFPB in hopes of a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Got hurt at work and unable to maintain mortgage payment, we have children living in the home, was working 5 days a week got cut down to 3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Alliance One, Inc.
State: CA
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:
The debt collection agency was paid via wage garnishment by the California Tax board ( because the collection agency did not properly verify proof of debt from original creditor, and did not respond within 30 days of the request of proof of debt ) so the California tax board acted on their behalf. Once the wages were garnished to completion of debt, a letter was mailed by the California Tax board stating the withdrawal of garnishment ( due to debt being fulfilled ). Two months later I received a letter in the mail from the California Tax board stating that hundreds of dollars from my tax return would be garnished due to a debt from the collection agency. Upon contacting the collection agency they admitted they made a mistake, but said it would take possibly three months to receive our refund of hundreds of dollars they wrongly took. This agency failed to verify the debt from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2016-03-03
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was formerly seeking help at XXXX XXXX University for my XXXX health XXXX at the age of XXXX. I was practically homeless from my mother XXXX By doing so, I have been contacted multiple times by PSG regarding the debt " I '' owe. I have repeatedly asked them to stop calling, and to get in touch with my mother who is financially responsible for me as a minor. As a minor in this situation, I have made it clear to PSG that I was in no way, shape, or form to legally sign such a contract holding me financially responsible for this debt. They claim to have tried contacting my mother, but have not been able to reach her. Therefore, they have unlawfully submitted this to my credit bureaus without my permission ; despite my best efforts in setting the record straight. PSG has threatened multiple times to take this balance out of my bank accounts using my social security number until the balance is zero. I have been called names repeatedly by PSG, hung up on several times, and nevertheless the endless " robocalls '' after I have told them to stop contacting me. PSG has never ONCE " mini- miranda 'd '' me. They have NEVER confirmed my identity with these continuous calls, never have given me my rights to dispute, etc. I took things into my own hands and did research to sue for these calls and the way I have been wrongfully mistreated numerous times by Profit Services Group. I have an attorney and I am ready for further action. I have also sent a dispute to XXXX explaining what is going on with this collection showing on my credit, that once again, is not legally my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: RI
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or corrected. 
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

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 2022-11-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I was alerted that a medical collection for {$150.00} from XXXX XXXX XXXX that I had no knowledge of was reported on all three credit bureaus. I immediately filed disputes with all bureaus requesting the removal as I had never received any documentation/statement/bill from creditor recently or in the past. On XXXX XXXX, after investigation by the bureaus, XXXX XXXX XXXX removed the collections from their reports as being unfounded. However on XX/XX/2022, Equifax reported that the collection will remain on their credit report for me. I find it very unlikely that two of the three bureaus deem the collections as invalid, but Equifax is unable to remove the collections. I have requested verification from the credit bureau and the creditor for validation of the collection, but I am unable to receive a response. 

How is this legal to disrupt someone's life because a creditor wants to extort money out of consumers for their deceptive practices without providing evidence? The burden of proof falls on the consumer although they have no knowledge or never utilized their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CCi is a collection company reported on my credit report in XXXX i notice the account and disputed it with the three credit companies explaining in my dispute this is not my account it was open fraud i sent in my police report and driver license XXXX and XXXX told me the account was verified and continue to report this on my credit report the could have not verified because i never open this account and its a fraud 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 2019-10-21
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have never received and notification of the debt, i also asked for a validation of debt by sendinfg in certified letters that they did not respond to,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XXXX, scammers posing as Wells Fargo 's fraud department contacted me. They told me my account was locked and tricked me into transferring money from my bank account to help " secure '' it. They then tricked me into installing software into my computer and used that to get information on my second bank, XXXX XXXX XXXX, there they told me they could help me secure that as well and I transferred money from there as well. I was alerted by my son that I was being scammed but it was too late. They were able to recover money from one transfer from XXXX XXXXXXXX XXXX, but the other one is still in progress and Wells Fargo denied my fraud claim. I also have the banking information from the scammer 's bank accounts if that could be of any use to track them down.

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 2021-01-15
Company: EQUIFAX, INC.
State: TN
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:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed XX/XX/XXXX in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) that's reappeared on my credit reports ( XXXX  , Equifax & XXXX  ). This account has already been removed from my credit reports once before and has negatively reappeared. The same documentation that I'm sharing will be used against the creditor in court because I'm seeking legal action and starting a civil case XX/XX/XXXX. I'm seriously fed up with going back and forth stating that I am not liable for the account, I can't help that my personal information was obtained and stolen ( Emails, Phone Numbers, Addresses etc. ) The information associated with the account number above-mentioned doesn't match with my exact personal information, it has the wrong addresses, phone numbers except for my old email that I don't have access to anymore that was hacked years ago and the reason XXXX is associated with the Consumer Financial Protection Bureau is because I created an online account with them every since I had created the email before it got hacked and stolen. That's not my email anymore though

Company response to consumer: Closed with explanation