BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: Rent Recovery Solutions
State: GA
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 have been having issues with Rent Recovery Solutions LLC. The representative who is in charge of the account with my name on it, " XXXX XXXX '' will not withdraw my debt for XXXX accounts that are in collections. XXXX account, for XXXX in XXXX GA was for a broken lease for XXXX XXXX, with my name printed on the lease but was never signed by me. The other account, for XXXX XXXX XXXX, in XXXX, GA was also an apartment complex that Rent Recovery Solutions says I owe for a broken lease but my name is missing from their collection documents and so is my signature. Rent Recovery Solutions, LLC. will not allow me resolve this debt unless the apartment complex 's corporate office sends them something in writing. The corporate office for XXXX XXXX XXXX, named XXXX XXXX, was able to send in a " debt cancellation/debt withdrawal '' letter acknowledging that they did in fact send my information to Rent Recovery Solutions LLC in error. XXXX XXXX at Rent Recovery Solutions, LLC. advised me on XXXX/XXXX/2015 that she did receive the letter from XXXX XXXX XXXX XXXX XXXX, 'XXXX '' ( Phone XXXX ) to withdraw my debt and that it would take 45 days to remove from their system. She advised me that this would not be removed from my credit report and that there was also still an unpaid account left in my name for XXXX XXXX XXXX XXXX. I recently visited XXXX XXXX XXXX 's Leasing Office with documents from Rent Recovery Solutions proving that my name was missing from their documents and they advised me to get in touch with corporate to have it removed from collections due to error also. I contacted the corporate office of XXXX XXXX XXXX, named XXXX XXXX ( Phone XXXX. XXXX. XXXX ) on XXXX/XXXX/2015, and they advised me that they did not have my name in their system as having a lease with them. I asked if they could send something in writing to XXXX XXXX at Rent Recovery Solutions proving that this account was in error, and the representative at the corporate office advised me that all he could do is call Rent Recovery Solutions and asked for it to be removed, he refused to send any documents on my behalf in writing. After following up with XXXX XXXX at Rent Recovery Solutions, she was becoming very difficult to work with. She advised me that she understood my name or signature was not present on any of the documents she had on file for my account but said my only XXXX options were to get the corporate office of XXXX XXXX XXXX to send something in writing or pay a debt that was not mine. I am unable to get any more responses from the corporate office or from XXXX XXXX at Rent Recovery Solutions and wanted to reach out for more assistance before this becomes a legal matter. XXXX XXXX 's at XXXX XXXX XXXX direct number is : ( XXXX ) XXXX. Please assist me with getting these invalid debts removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Miller, Stark, Klein and Associates
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received numerous calls from different numbers stating that I owe {$500.00} credit card debt from XXXX XXXX received in 2010. I have never had a XXXX XXXX Card. That state there are several complaints issued against me through XXXX County. I called XXXX County and they state it is 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 2019-12-16
Company: General Motors Financial Company, Inc.
State: AE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had been storing my car at a small storage facility in XXXX, S.C. 
XXXX XXXX XXXX  XXXX, XXXX for approximately 2 years. Originally, I did not believe there was a written agreement ; however, after contacting my mother, who had power of attorney, she provided me with a written agreement which was signed by his father, who also had power of attorney authority. I had spoken to someone who worked at the storage facility on multiple occasions and the person that I spoke to stated that I could pay the payments monthly, every six months or yearly. I believed I owed 2-3 months ' fees, I previously paid sometimes monthly, sometimes 6 months ' at a time, it varied. Without notifying me, the storage facility decided to repossess my car. It is my understanding that the storage facility called my lender, GM Financial, for the loan that is still on his car to tell the loan company that I hadn't been paying and to come get the car. To date, the storage facility has not notified me that I was late on payments, has not notified me that they intended to repossess the car, and never gave me an opportunity to come up-to-date on my payments. It is my understanding that the car was repossessed without a court order on XX/XX/XXXX, I believe that the lender repossessed the car, without notifying me, and it was brought to an impound lot. I then received a notice, on XX/XX/XXXX, dated XX/XX/XXXX giving  me an amount to pay the car off including repossession fees. At this point, I have the name of the impound lot, but I can not get in touch with them. My car is going to be auctioned off on XX/XX/XXXX. I believe that the storage facility violated Section 3958 of the SCRA and several other state and federal laws and that GM Financial also  violated section 3952 of the SCRA. GM Financial refused to provide me information on where my vehicle was located or any information about the repossession until XX/XX/XXXX stating that I had not " applied '' for my SCRA rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wrote them a dispute letter no response or anything verifying debts on XX/XX/2020 the request was made.

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 2022-05-16
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im reaching out to request a deletion of ProCollect ( Account # XXXX ) from my credit file. I have filed numerous disputes with the credit bureaus and Procollect directly. Procollect has continuously failed to provide sufficient documentation that I owe a debt. Procollect can not furnish proof. On XX/XX/2021 I mailed certified letter for verification of debt to the three credit bureaus and Procollect. On XX/XX/2021, I received 3 pages of information from Procollect. One was attempt to collect debt letter, 2nd was final account statement, 3rd was copy of an application for housing. On XX/XX/2021, I certified mail Procollect asking for a written, signed contract with my signature to verify that this debt is mine. On or around XX/XX/2021, Procollect mailed the exact same 3 pages of information. This debt is not mines. According to the FCRA, Procollect has violated my rights. 15 USC 1681, Section 602a states that I have a right to privacy. 15 USC 1681, Section 604 ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Also, Procollect is violating 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692e ( 11 ). 
This company is reporting wrong information and is causing a negative effect to my credit report. Please delete all Procollect accounts from my credit reports.

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 2015-07-11
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Other

Complaint:
This is the XXXX time i am going thru with Discover Credit card. I had used discover credit card to buy the mobile app for my kid and it was installed on tablet. My kid who is just XXXX yrs old tried to purchase some more apps on his own and he was able to do it successfully without the authorization of anybody ( like me ) who is at least XXXX or XXXX years of age. When i noticed the charges - it was bit late. Called Discover - they simply closed the account and issued me a new/replacement card ( coming in around 6 business days ). Later called XXXX support to remove the charges. Discover could have very well blocked those transactions all coming from XXXX but they decided the hard stop. All my legitimate transactions ( which i already told to Discover customer service and Fraud department ) are also impacted now which requires great deal of time and efforts from my side to make it thru. 
Finally i need to talk to XXXX customer service and revised my payment method so that the order can go thru. Has it been the case that Discover resolves these issues properly - one does n't has to go thru all this. 
For any online retailer -when they store the credit card - these attributes are required:1 ) Card account # 2 ) XXXX date3 ) Billing zip code4 ) CVC/CID - XXXX or XXXX digit # on the credit card. 
Why discover does n't stop XXXX or some other online retailer to save everything so that these kind of purchases are being challenged and users are asked to enter CVC/CID # at least? This is a major security flaw in terms of how XXXX and Discover are working and great concern to parents like me. 
This is the XXXX or XXXX time with me that i am victim of fraud with Discover card during the last 4 yrs itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: FL
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: Billing dispute for services

Complaint:
I called chase to change the date on my automatic payments from the XXXX of every month to the XXXX, chase advised that the change I requested was processed. The following month I realized my automatic payment for the XXXX was not drawn from my account. I called Chase to follow up on what was going on and they explained that the automatic payment they said they would set up for my account was never processed, therefore they reported a late passed due payment. I have never missed a payment on my auto loan and due to their poor customer service a unjustified late payment was reported. I have already fixed the issue and my account is up to date but chase made me aware that although this was an error from their behalf the could not remove the late payment reported. Please help with the matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We contracted with XXXX to build our house for {$440000.00} and had USAA provide our financing. In early XXXX 2016, USAA requested an appraisal of the home and we learned USAA provided incomplete and inaccurate data to the appraiser when conducting my appraisal. The purchase price submitted to the appraiser was {$410000.00} which was inaccurate and the inaccurate price was used to calculate our price per square footage and comparables. We challenged USAA and requested a reconsideration of value only to be denied with no explanation as to why. On the day of our closing XXXX, the appraiser was contacted and asked to visit the property that day XXXX XXXX XXXX to complete the reevaluation, which we learned through conversation with the appraiser, she never received our options list or received any contact from USAA regarding our request for reconsideration of value. 

As a result, our house did not appraise for the purchase price and our loan to value was significantly impacted where we were required to pay a higher amount into escrow for private mortgage insurance ( PMI ). In addition, our monthly PMI payment is higher due to the lack of value from the appraisal. 

I 'd respectfully request the CFPB 's help to have USAA provide rationale for the usage of an incorrect appraisal, the lack of communication to the appraiser when a reconsideration of value was requested due to inaccurate data, as well as retribution for the excess paid into escrow at closing and monthly PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance you are reflecting is not correct. I made a settlement payment of {$200.00}. Your email clearly states this settles my balance. My balance should be reflected as {$0.00}. Your e-mail is as follows : About your account ending in XXXX On XXXX XXXX, 2020, you made a settlement payment of {$200.00} towards your initial balance of {$480.00}. We are happy to confirm that this payment settles your balance. 

The last sentence clearly states this payment settles my balance. Which means, I no longer have a balance. My balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
my issue is not what i checked. i accidentally made automated payment for XXXX XXXX for XXXX dollars i quickly called to SWITCH it to XXXX. she said she cancelled it for SAturday. XXXX XXXX i asked her are you sure as i will bounce if it comes out today. she said yes. PLEASE pull call. this has nothing to do with any XXXX dollar payment scheduled she said she would cancel it and did not it came out today XXXX XXXX i am now overdrawn. or will.be. Please listen to call. 
I had asked for my interest to be refunded based on my long ter loyalty all i get are scripts i know its vaid i know how to avoid it. what i will be avoiding is the use of this card for a while all of my cards please do something for what i have endured here. i asaked for XXXX dollars to be cancelled for XXXX XXXX now i have problems due to your mistakes. Please no scripts about the interest for XXXX bucks they can lose my business. My record is exemplary and i know the rules times are tough i wanted loyalty alli get are problems and scripts.

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 monetary relief
Consumer complaint received 2020-06-12
Company: Ray Klein, Inc.
State: UT
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:
Prof Credit XXXX : This debt is currently being reported in a violation of the Bankruptcy Law. This debt is currently updating each month on my credit report and affecting me negatively. This was included in my Bankruptcy and is no longer valid to report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian had not allowed me to get access to my credit report for over two years. They are nearly impossible to contact by phone ; the automated message demands a bunch of sensitive information by mail for no reason. No other credit bureau has caused me such issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found out that I have several accounts through Union Bank located at XXXX XXXX XXXX XXXX XXXX CA XXXX, and apparently these accounts are being managed by some appointed power of attorney designated to manage my accounts. In XXXX, XXXX XXXX opened an investment account, account number XXXX which seems to have been opened and closed after a year. I found this information out thru my income tax records at the franchise tax board and again through some financial documents I found at his house. According to FDIC I have several other accounts that are also shared with XXXX and his family members, but I am the sole owner of these accounts that are valued over 1.7 million in  available balance. I have never received bank statements, cards associated to these multiple accounts nor have I had any communication about these opened accounts in my name. 

My name is XXXX XXXX XXXX, my ssn is XXXX and my date of birth is XX/XX/XXXX. I filed a police report for this situation with the local law enforcement. The report number is XXXX and the officer that took my report is Deputy XXXX. She can be reached at XXXX for further information. 

My contact information is XXXX. My email address is XXXX. 

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 non-monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted ALL 3 credit bureaus. There was an address added to my credit report/SSN a year ago as well as an account I had no knowledge of. Myself and the woman at the address share the exact same name. Once she opened the credit account, one of the 3 credit bureaus added her and her address to my social security number. I filed a police report for the " fraud '' jumped through all the credit bureaus hoops, and they will not remove this address. Another credit account was added to my credit report once again, same person, same address and she failed to make a payment AGAIN. I have pleaded with the credit bureaus to remove her address ( I have lived at MY same address for XXXX  years ). The detective who investigated the fraud had the same conclusion ... ... one of the credit bureaus added her address and account to MY social due to our sharing the same name with no attempt to locate her personal information anf therefore her own credit accounts. PLEASE help me.

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 2023-03-14
Company: Premier Mortgage Resources, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My and I husband contacted a lender we had both used in the past regarding the process for a pre-approval. The lender sent us a list of documents they'd need to get started with an application. The lender did not yet send an application or any forms to fill out. My husband sent them a few of the documents on the last. I was shocked then to have a hard inquiry on my credit report. I had not been informed that they planned to pull my credit and had NOT authorized my credit to be pulled. Only my husband was applying for a mortgage and there was no need to pull my credit. They should have informed me and gotten my approval first. I expressed concern and the reply was that their one hard inquiry wasn't a big deal. I asked them to file whatever documents necessary to undue their not-approved hard pull and they ignored me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have not received a mortgage statement from Ocwen Loan Servicing since XXXX XXXX, 2015. When I called to see why I have not, I was told there was a glitch in their system and they do not know when I will receive my statements. I have a loan modification and was scheduled to receive a {$31000.00} deferred principle adjustment on XXXX/XXXX/2015 and I have no record that they did that. I am current on my payments.

Company response to consumer: Closed
Consumer complaint received 2022-08-05
Company: PNC Bank N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I had a checking account with PNC Bank. Due to PNC 's neglect in providing a minimum level of acceptable service I closed my account in XX/XX/2022. I requested my personal information be removed from their records and not be used for marketing or solicitation. I continued to receive unwanted credit card offers from PNC. I contacted them again to request no more solicitations and they referred me to a third party to block future offers. I completed the required information and was advised I would no longer receive unsolicited offers. I still receive these offers from PNC Bank.

Company response to consumer: Closed with explanation