BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

812. Furnishing certain deceptive forms [ 15 USC 1692j ] ( a ) It is unlawful to design, I HAVE ALREADY SENT YOU MY POLICE REPORT AND AFFIDAVIT. 

GIVING ME THE RUNAROUND WILL NOT WORK!! THIS WILL BE MY SECOND REQUEST FOR YOU TO SEND ME VALIDATION NOT VERIFICATION OF YOU PLUGGING NUMBERS WITH SOMEONE THAT STOLE MY IDENTITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a dispute and it has been 30 days and I have not received any news back I have a medical collection on my account from a car accident which creditors know can not be on my credit report it violates me right and hippa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
One time my husband XXXX and we applied for a hardship but HFC kept asking for the same information over and over and still came back and told us they did n't have enough information. Now I 'm trying for a hardship again and I have faxed my income, mailed my income, and in the process of mailing the income again. They claim they did n't receive the fax, then they say they ca n't read the information I mailed. It 's always one excuse after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original unpaid principal balance is {$150000.00} but my current unpaid principal balance is {$150000.00}. My loan is current and i have never missed a payment i dont understand how my balance could be going up unless i have a negatively amortizing loan which i do not. I have a FHA loan with a fixed rate of 4.2 %. The servicer is pennymac and the loan number is XXXX and they have been non responsive to my inquiries on this. I am very concerned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2022, we requested that my Credit Union, Pentagon Federal Credit Union ( PenFed ) transfer {$700.00} to XXXX XXXX XXXX who resides in XXXX, XXXX XXXX. XXXX XXXX never received the {$700.00}. We have been working with PenFed for almost XXXX months now to reverse the international wire transfer. To date no resolution to the matter has been accomplished. Today, I was told that if the foreign bank does not reply to PENFED 's request that we have lost the {$700.00}. I'm not too sure where PenFed sent the monies but what we know for certain is that XXXX XXXX did not receive the {$700.00}. We have been members of PenFed for over 36 years and this is a terrible way to treat anyone.

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 2015-08-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I THINK YOUR BANK HERE IS DOING SOME FRADULENT TRANSACTIONS WITH MY ACCOUNT, FOR THE LAST TWO MONTH I HAVE HAD ALL OF MY XXXX SOCIALSECURITY CHECK TAKEN TO THE LAST PENNY.IM A WIDOW AND IM XXXX WITH XXXX, .THEY ARE LETTING XXXX RUN MY ACCOUNT SEVERAL TIME IN EACH MONTH SO THAT THEY WILL GET THE FEE PLUS XXXX WILL GET THEIR PYMT.IT ONLY ONCE A MONTH I PAY THEM AND I DIDNT AGREE FOR THEM TO TAKE IT OUT OF MY BANK ACCOUNT EACH MONTH.NOW THIS WILL BE 2 MONTH I HAVE HAD TO GO WITHOUT MEDICATION OR FOOD OR BILLS PAID.THEY ARE RIPPING PEOPLES OFF HERE THROUGH YOUR BANK AND IM NOT THE FIRST ONE .IM HAVING AN ATTRONEY SUE.I WANT MY ACCOUNT CLOSE WITH WELLS FARGO AND THEY SEEMS TO DONT WANT TO LET ME CLOSE OUT MY ACCOUNT.I HAVE OPEN AN ACCOUNT WITH ANOTHER BANK AND HAD IT CHANGE BY THE XXXX PEOPLES AND IT WERE NOT CHANGE THROUGH WELLS FARGO.THE GOVERMENT IS IN THIS WITH ME SO ARE FOLLOWERS OF THE SAME THINGS HAPPEN TO THEM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 my XXXX home mortgage was purchased by RoundPoint Mortgage. I am now dealing with a lender that I did not choose. It is apparently RoundPoint 's normal procedure to issue loan statements on the 2nd of the month. Therefore, any payments logged in after the 2nd of the month will not be reported in the statement. Since the statements do not consider the current month payment they then report the payment distribution ( principal, interest & impound payments ) for the previous month. Also, since the current month payment is not considered the principal balance is not correct and the amount due for the next month payment is for 2 months or double the regular payment. Even though the statement is correct as of the 2nd of the month it is incorrect for the up coming month payment. 

I have tried twice, once in early XXXX and once on XX/XX/XXXX, to get RoundPoint to issue my loan statements during the third week of the month with no success.

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 2016-09-12
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i had bought a vehicle from a dealership that sold it to me illegally by selling it to me without having a title in hand. come to find out they never paid off the remaining amount that was owed when the previous owner sold it to them to his bank ( XXXX XXXX ). so there was XXXX people paying on the same vehicle when it comes down to it all because the dealership never paid the remaining amount that was owed to previous owners bank to get the title in hand. and since previous owner did n't possess the vehicle anymore he refused to keep paying for the vehicle anymore, so his bank ( XXXX XXXX ) came and found my vehicle that i had now possession over and repossessed it from me because of failed payments. now i 'm making payments own this car loan when i no longer possess this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. While incarcerated from XX/XX/XXXX to XX/XX/XXXX, someone stole my personal information and identity and applied and opened up the following unauthorized and fraudulent accounts in my name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX & # XXXX. I have attached supporting documentation for proof, I was incarcerated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My CPA has contacted the source and they informed him that they can not find anything filed against me so I am requesting that you either remove from my report or contact them and let me know what I need to do to handle this matter. 
Source XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called Transunion, XXXX, and XXXX to make sure my fraud alert was put on my file, Transunion and XXXX are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all XXXX credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.

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 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX XXXX I called XXXX XXXX XXXX to request a credit card line increase. I was very specific and asked multiple times how the process works and if that would be a hard inquiry on my credit if I would request a line increase. The phone banker assured me several times that it would n't be a hard pull on my credit. A couple of minutes later I received an alert that XXXX XXXX XXXX pulled my credit. After reviewing my inquires from XXXX XXXX XXXX on my credit report I recognized another hard inquiry from XXXX XXXX XXXX. This inquiry was a result from my first line increase request. Both hard inquiries were done without my consent. I requested that both inquires are going to be removed. The phone bank Manager ( Name : XXXX XXXX ) did n't really take my issue serious he said that I will be receiving a call back by XXXX XXXX with the resolution. I am very disappointed with XXXX and at this point I can not trust in XXXX anymore that they will take serious action in removing those inquires.

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 2022-10-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a legal aid attorney assisting a homeowner who is in foreclosure but has applied for loss mitigation and HAF, and who is also being assisted by a XXXX housing counselor. 

After the homeowner applied for XXXX and loss mitigation, I filed a Motion to XXXX the foreclosure action, providing notice to the servicer of the pending HAF application ( as Florida 's XXXX XXXX does not otherwise communicate directly to the servicers. ) The Motion to Abate is attached.

Rather than taking steps to pause the foreclosure, the servicer bank responded stating I was " deliberating [ sic ] trying to avoid answering Plaintiff 's Complaint and delay this action. '' The Response is attached. 

The servicer then forwarded approval of a Flex Modification on XX/XX/2022. Again, rather than pausing or taking no affirmative steps on the foreclosure, the servicer served discovery ( Requests for Admissions, Request for Production and Interrogatories ) on the homeowner. I was forced to file a Supplement to the Motion to XXXX, requiring additional action on behalf of the homeowner that should otherwise not have been required. The Supplement is attached. 

The servicer 's actions in court demonstrate ongoing dual tracking, with the servicer moving the foreclosure forward in court despite engaging in loss mitigation and being aware of a pending HAF application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a few negative items on my credit report that is not mine. 

Account Name : LENDING CLUB Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: NY
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a payment on XX/XX/XXXX from my Huntington bank account, later Huntington charged me monthly fee. The monthly fee was the reason the balance of the account went below XXXX. 

I opted out from overdraft, but was still charged a {$23.00} over drafting fee for that. Also, despite the fact that the payment was made prior to the monthly fee being, the payment was withdrawn by Huntington. 

I closed my Huntington bank account on XX/XX/XXXX given this is the worst banking experience I have ever had, only to find that I was charged a {$5.00} fee for closing the account, which is ridiculous. 

Also, when I opened the account in XXXX, I clearly told the bankers I do NOT want to purchase additional checks. However a transaction was made without notifying me to purchase checks. I also received A LOT of spam calls stating themselves got my information from Huntington, trying to sell me insurance I clearly told the bankers I do not need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14
Company: I.C. System, 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:
I HAVE SENT THIS COMPANY A DEBT VALIDATION LETTER ASKING THEM TO VALIDATE WITH A SIGNATURE OF MINE THAT PROVES I AM THE PERSON RESPONSIBLE FOR THIS DEBT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED BY SOMEONE ELSE FRAUDULENTLY. THEY HAVE NOT SENT ME ANYTHING THAT VALIDATES I AM INDEED THE PERSON RESPONSIBLE ALL THEY KEEP DOING IS FLAGGING THIS ACCOUNT TO ALL THE CREDIT BUREAUS AND THEY HAVE NOT PROVEN THAT I AM RESPONSIBLE. THE FTC SAYS THAT I HAVE THE RIGHT TO REQUEST VALIDATION NOT VERIFICATION OF THE INFORMATION THEY HAVE. I HAVE NOT RECEIVED ANYTHING. A BILL IS NOT VALIDATION AT ALL.THEY ARE RUINING 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 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT INFLENCE FROM ANY THIRD PARTY OR AGENCY

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 2016-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am disputing an negative collection field on my credit report by XXXX XXXX Tax Lien for 2015. Tax lien was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien, paid in full ). However, this is now showing up as public record/tax lien on my credit reports. Tax collector advise to dispute the 2015 reporting specifically with credit reporting as they are not reporting it. I am disputing this 2015 tax lien collection as account is paid, and tax lien should be removed as it in not accurate information reporting.

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 2022-10-26
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of 2022, American Express offered me the option to upgrade my American Express XXXX XXXX to an American Express XXXX XXXX XXXX. The promotion for this upgrade was an award of XXXX Membership Reward Points after spending at least {$2000.00} in 4 months. I met all of the qualifications, and therefore I earned and was awarded the XXXX points on XX/XX/2022. 

I applied for the American Express XXXX XXXX XXXX XXXX and was approved for it on XX/XX/2022. The bonus of XXXX Membership Rewards points required me to spend {$3000.00} in the first XXXX months. I made XXXX eligible charges on the card on the first day I had the virtual card number that totaled to just over that amount, and American Express awarded me XXXX points on XX/XX/2022. 

Today ( XX/XX/2022 ) I tried to transfer the XXXX points I earned from these XXXX cards to XXXX XXXX for a trip my husband and I are taking in XXXX. However, American Express is now holding my points XXXX and are saying they need to review my account. They told me this could take XXXX weeks, which will cause me to lose a lot of money and have to cancel my trip. I would appreciate it if they could release these legitimately earned points for me and my husband to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to reach out to medicredit who has negatively impacted my credit, they will not speak with me as the name doesnt not match the account they have. Im at an impasse

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 2016-07-25
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They contacted me at my place of work which is highly unethical and against the FDCPA in NJ. The name of the company contacted was Transworld System Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
barclay is reporting 0 information stating I owe XXXX. They called to harrass me after i called them to remove this information. They said we will not remove the account barclay if I dont own it I said I never had this account and I cant pay XXXX.Its ruining my credit Im trying to buy a house. How can they legally report this? Please remove it. Please

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