BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
1. ) XXXX to XXXX : HMDA-LAR Public Disclosures obtained from the National Archives show that XXXX XXXX XXXX employed by XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX. operated a nationwide, direct-marketing Boiler-Room in XXXX XXXX, Pennsylvania, which from XXXX to XXXX originated XXXX Subprime Mortgage Loans to financially-distressed consumers ( many, if not most, of whom were of XXXX XXXX, XXXX, and XXXX descent ). The Toxic Mortgage originated were first sold them to XXXX XXXX XXXX  XXXX, XXXX XXXX who submitted them via Certified HMDA-LAR Disclosures using Respondent ID ; XXXX, This XXXX  Bank then sold XXXX of these Toxic Mortgage Loans to it XXXX  Bank Affiliate : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; who then re-submitted them via certified HMDA-LAR Disclosures using Respondent ID : XXXX ( Thereafter, both XXXX XXXX XXXX  claimed ownership of these Toxic Mortgage Loans mortgage loans until XXXX. ) 2. ) XXXX to XXXX : On XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX outsourced the Servicing Rights to hundreds of these Toxic Mortgage Loans to Select Portfolio Servicing, Inc., a Utah-based Debt Collector/Portfolio Disposal Company ; and four days later, on XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX. sold its Co-ownership in these Toxic Mortgage Loans to XXXX XXXX XXXX XXXX XXXX XXXX Both of these actions were designed to conceal the existence of these XXXX-Originated Toxic Mortgage Loans from DOJ Fraud Investigators during the Discovery Phase of the XXXX RMBS Trust Certificate Lawsuit. Serendipitously, these fraudulent acts denied many of financially-distressed owners of these Toxic Mortgage Loans ( many of whom were of XXXX XXXX, XXXX, and XXXX descent ) of their rightful shares of the Consumer Relief/Restitution XXXX XXXX XXXX XXXX, XXXX XXXX, Select Portfolio Servicing, and XXXX XXXX XXXX XXXX XXXX used the Eleventh-Hour Outsourcing Maneuver to hide the XXXX XXXX-Originated Toxic Mortgage Loans originated by XXXX XXXX  XXXX at the XXXX Boiler-Room between XXXX and XXXX ; but had the guts to claimed that they were unaware of the level of toxicity of home mortgage loans they purchased from Subprime Market-Leaders XXXX XXXX  XXXX, XXXX XXXX, and XXXX 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 2015-05-15
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are repeatedly robocalling me sometimes more than XXXX time in an XXXX at my work. For instance yesterday, They robo called saying they were a collection agency at XXXX ; XXXX then at XXXX. I have asked for a Validation of Debt which they did not provide and also a Cease of Communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. The company has used deceptive tactics by way of there Attorney acting debt collector XXXX XXXX XXXX XXXX ( XXXX ) and the company itself by sending me a identify theft from to fill out which I already told them I don't remember are recall this debt. I was a victim of Identity theft and filed a report with the Federal Trade Commission for my own protection I am not sure what was comprised on my credit file and identity. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: U.S. BANCORP
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I was charged a {$35.00} fee by US Bank to stop a bill that I had used an auto payment feature to pay with. I began using the feature believing it was a free bill automation tool, not any kind of paid service. I have not brought it up with US Bank for fear of retaliation. I also am unable to attach evidence of the charge of the fee because the app does not allow screenshots to be taken of the charge screen.

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 2022-06-15
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these accounts from my report

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 2017-11-30
Company: Pitbladdo Botteron and Jarvis, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a car through XXXX XXXX XXXX I was making payments every 2 weeks like I was suppose maybe 3 times out of the 2 years I had had it never was a problem some new company comes in calls claiming to be XXXX XXXX XXXX I make payment over the phone like I usually  do some times check my account for my card it says XXXX XXXX so  I called them up asking who they were they told me XXXX XXXX XXXX went out of business that i needed to start paying them I said to them muy loan was not through them so let me see if I can get advice from a legal person only because I was making payments but nothing was never getting reported so I go to DMV to see if I have a hold(lien) on the car  the print me out a paper saying it's still in me and XXXX XXXX XXXX name so now I'm asking question they won't or can't answer no I'm like stuck because I'm making payments every 2 weeks or just putting the whole amount down in 1 payment for the month but it's

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 4 phone calls ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, andXX/XX/XXXX at XXXX XXXX ) from XXXX XXXX XXXX. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on XX/XX/XXXX. The person asked for me by one of my names, told me he was a debt collector, and said that I owed citibank/mastercard around {$20000.00}. I have no debts with citibank and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called citibank to inform them that this company was gathering money fradulently on their behalf. Citibank said they would forward the information to their security department.

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 2022-01-29
Company: Square Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the owner of XXXX and XXXX XXXX XXXX in XXXX, WA. As part of our provided services, we offer massage treatments with CBD oils and pain creams. We follow all state laws and regulations with these services ( i.e. 0 % THC ). I have used Square as our payment processor since opening the business in XXXX, XXXX. Square recently introduced a program, which approves business owners to sell CBD products through them as the credit card processer. Because we offer treatments with CBD and also sell a CBD skincare line in our boutique, I applied for this program. This would allow us to also sell our products through our website ( online store ). I completed the application in early XXXX, XXXX. Since applying for this program, they have asked me for additional information several times. I have provided all the information requested every time. They continue to email me requesting more info. I have called, emailed, and chatted with their customer service agents more than 10 times. Each time, they say they will send my issue to other customer service agents who can help me. I have received NOTHING in response to my issues. 

Meanwhile, they have suspended all my funds processed by square for the past six weeks ( more at this point ). I have almost {$3000.00} suspended, which is really hurting my business and being able to pay for my business expenses ( including employee wages ). I have nothing more to give them. 

I have requested to exit the CBD program over and over, and they continue to email me saying that I can not exit the program until I provide more information. They also have a check box that you must agree to not sell CBD products through any other credit card processor if the application is not approved. I have never been approved for the program, and they also won't let me exit the program. They are also dictating what my business can sell even if I don't use them as a processor. They are threatening to deactivate my account and keep all of my funds if I continue to sell CBD products. This is ridiculous! I would think I can sell whatever I want as long as it complies with laws in my state. I will use another processor if Square will not allow me. But they are saying that they will completely deactivate my account ( losing all of my data and over $ 17K in gift card purchases over the past 18 months that still must be redeemed!!! ). This will bankrupt me. 

This is not right. This is hurting me and my business. It's taking time from my family and work life. I have spent hours dealing with this issue and no one is helping me. No one responds. They refuse to provide any contact info for the supposed customer service agents that they keep transferring me to. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: JPMORGAN CHASE & CO.
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:
The bank allowed scan by nonmatching, nonsignature, nonordered or consented to cards nor, transactions '' thus '' I can not be made to pay nonelectronical, nonconforming, bank transfers, completed by thee, merchantb '' CHASE BANK UP XXXX, AMOUNT OF {$120.00} XXXX XXXX XXXX ( (? ) {$750.00} (? ) NOTHING TO, NO ORDERS BY XXXX XXXX XXXX XXXX XXXX XXXX COMPEL PROOF CHASE WILL DODGE XXXX XXXX OBSTRUCT '', my card was losr at a store grocery after it was declined Chase has subjected me to identity theft.chase also destroyed ' '' cut up the card 's a XXXX address XXXX location when I entered I discovered my XXXX, was missing. To date no refundsplus non compliant ORDERS n cyberworld? My Credit score thanks to that XXXX dropped XXXX ... im XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX - XXXX The above mentioned account is being reported as an unpaid charge-off on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following : TO PLEASE REMOVE THE ACCOUNT FROM ALL OF 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 2022-01-29
Company: MRS BPO, 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 tried to have it resolved but I have know idea about this account or know of it.

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 non-monetary relief
Consumer complaint received 2021-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed. Credit bureaus Experian, XXXX  , & XXXX  won't remove them even after I disputed them.

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 2017-07-23
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX-2017 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
Since XXXX I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are still working on this! They want so much paper work Trying to do all we can to save our home, We have son with a serious drug problem that has us in and out Courts hospitals rehabs its been non stop we do lose work time and insurance does not cover a lot of this care when you become XXXX!! Its been very hectic with his XXXX XXXX. sorry for venting but I need too sorry. 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 non-monetary relief
Consumer complaint received 2017-07-20
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold our loan to loancare we feel with out notice it was at the time of year we pay our property tax and insurance. we pay it out of our pocket we do not fiance either one of them and have for XXXX yrs. XXXX XXXX took money that was marked for escrow and applied it to principal they claimed then we sent them copy of policy for insurance paid in full on that home as again we have done every year. At same time all this going on they sell my loan to Loancare who raised my payment 50 % it was XXXX to XXXX they say because of escrow witch has been payed we have tried to resolve with no results with his company we even sent them more Escrow money that has disappeared now they say I can not prepay it. but it is part of original loan and they can not change terms and conditions of that loan says right on paperwork from XXXX XXXX  this has put tremendous strain and stress on us both financially and emotionally the loan has dropped to XXXX but should be under 1000.00 they say I have XXXX over pay in ecrow now but still want XXXX month escrow

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 2015-09-01
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been sending on time payments to SLS monthly since XXXX 2014. I have an issue with their record keeping as they still show that my next payment due isstill owed. I have paid {$2000.00} per month up until last month and rather than applying thefunds, just suspend the additional money. I have had to call them everymonth to request that they apply the funds to the principle. It is extremely difficult to follow their record keeping to the point that I am not sure that my balance isactually correct. Is there any way I can request an audit? I am veryfrustrated with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
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 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

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 2018-03-22
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX is reporting a charge off on my credit report. They went out of business and filed bankruptcy. I received a notice sometime ago that they closed all their accounts and ceased collection of them. When I tried to mail payments they were all returned. They have no way to continue paying them yet they keep reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report Affidavit, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

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