BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TILA, RESPA and XXXX XXXX XXXX to Harris Bank to verify receipt of my payment. 

Dear Harris Bank, My name is XXXX XXXX, I am a buyer of property located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX where Harris Bank was a Lender for XXXX XXXX, the Seller of this property. 

On XX/XX/XXXX I obtained a Mortgage loan from XXXX XXXX XXXX XXXX for {$170000.00} to pay XXXX XXXX and her lender, Harris Bank for this property where Harris Bank loaned XXXX XXXX {$100000.00} on XX/XX/XXXX. 

As I recently discovered, Harris Bank apparently did not received {$100000.00} or any other reasonable amount from my XXXX payment. 

According to XX/XX/XXXX Harris Bank Release Harris Bank claimed only {$1.00} received as consideration which is of course not sufficient payment for {$100000.00} loan Can you please explain why Harris Bank received only {$1.00} as my payment for XXXX XXXX loan. 

Please provide me a copy of wire transfer receipt which show the amount of money received from me or on my behalf by Harris Bank ; and identify who is the sender of this wire transfer. 

Please disclose if Harris Bank comply with XXXX in its accounting practices. These records must be kept permanently on Harris Bank books and records and be readily available upon request. 

I am not asking for any accounting records for XXXX XXXX, only for proof of my payment or payment on my behalf from the loan I received from XXXX XXXX and Loan on XX/XX/XXXX since it appears to be missing. 

Regards 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 2017-09-10
Company: Fidelity Properties Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a medical bill from XXXX XXXX XXXX XXXX located in XXXX WV on my credit reports in the amount of {$280.00} which is now with Fidelity Collections. I have NEVER seen any physician at this office nor did I authorize any treatment for anyone stating that I would be responsible for any debt. I did contact XXXX XXXX personally and I assumed this was removed from my credit report as he stated he would take care of this with his office staff.

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 2022-06-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an invitation to open an Ally Invest account and receive a promotional bonus of {$250.00}. I verified with the Ally Invest representative XXXX via a recorded phone call on XX/XX/2022 that my account was enrolled and I would be awarded the bonuses if I met the deposit requirements ( {$500.00} for 90 days ). I met the deposit requirements and have not received the bonus. They now refuse to pay. This is bait-and-switch and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with CMG XXXX  and an escrow account for home insurance and taxes on my home. The mortgage is under my name, but the deed has both my and my sister 's names. We each own 50 % of the home. The deed of trust of course has both of our names as the mortgage is for the full value of the house. CMG and their loan servicer, XXXX, failed to pay the entirety of taxes due on the home by the deadline of XX/XX/2021. I gave them notice about 7 days prior to XX/XX/XXXX that it appeared they only paid half of the taxes due ( which were assigned to my account with the taxing agencies ) and not the other half ( assigned to my sister 's account ) when I saw that a significant amount of money remained in escrow. I called approximately 3-4 times that week prior to XX/XX/XXXX and was told over and over that it was the servicer 's mistake and that the outstanding taxes would be paid out of escrow with any penalties/interest accrued on the taxes born by the servicer and NOT taken out of our escrow. I called multiple times because I was concerned no action was being made towards payment and the representatives seemed less than knowledgeable about property taxes. 
When no payments were made, I again began calling the week of XX/XX/XXXX asking about the status of payments. The servicer 's records showed no action taken, and I had to explain to the representative, XXXX XXXX, the entire situation again and send the outstanding tax statements. I was supposed to receive a call back but have not received a call or a response by email. Additional penalties/interest will accrue on the outstanding taxes on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Associated Credit Services attempted to collect on debt already paid. They were notified of this fact on XX/XX/2022 and also notified of paperwork submitted to the Internal Revenue Service ( IRS ). Instead of ceasing their debt collection attempts, they used the personal information contained on the IRS forms ( Social Security number ) and submitted false claims to all 3 major credit bureaus on this satisfied debt. These false claims prevented me from accessing my credit when I was in dire need of accessing it at the emergency room at the XXXX XXXX XXXX. I will hold Associated Credit liable for any and all false claims and retain all rights to sue them under the FDCPA and collect fines and fees owed to me. Furthermore, a W-9 was requested of them on the same day. They have failed to provide said W-9.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Duvera Billing Services, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure how this is on my records but the company will not prove its mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Company : USAA Summary of events : About XXXX of 2014 I called USAA to receive car insurance coverage. I had been covered by USAA but under my parents ' insurance policy. <P/>First phone call : They refused to discuss insurance coverage because my account had been flagged. Prior to this call my only business with USAA was that i was covered under my parents ' policy, I never opened any bank account or received any other services from them at any time, at all, ever. <P/>Second phone call : I called to ask about the flag on my account and see what it was for. They said that it was a fraud flag and they transferred me to their fraud department. I asked why I had a flag and they told me that it was for fraud and that USAA refused to do business with me. They refused to disclose any paperwork or information about the fraud or the nature of the fraud, I tried to explain that I was a victim and that I had n't ever done business with them other than be on my parents ' insurance policy and that I had no idea how this happened. They told me that they refused to do business with me and that was all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Southwest Credit Systems, L.P.
State: WA
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 filed complaints against and about sw credit system LP, they have been contacting me to collect a debt from the primary XXXX they agreed to removed an account that I believe to be fraud and not Mines, it was removed from credit report An now has popped back up, this account is not mines it is the act of fraudulent activity, I have asked for debt validation numerous times An have only received bills with my name on it no signature of contract or service, I know that they are required to provide, I know this is identity theft an I have followed every step they have refused to release the proper documents because there are none I have never had XXXX account or sign any documents to pay sw credit system to collect a debt! All contact needs to stop an I need this fraudulent activity deleted from my credit report, they have sent out many different debt collection letter that have had different balance amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed that XXXX XXXX  have placed an inquiry on my TRANSUNION credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX  and TRANSUNION to verify these inquiries. They have yet to do so.

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 2019-09-02
Company: Experian Information Solutions Inc.
State: NV
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:
CHAPTER XXXX BANKRUPTCY ( USBK COURT XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nissan motor-acceptance. 

Their system was down for a full week during this week I traded in my XXXX XXXX XXXX. Because they had a system wide error. You were not able to gain access to your account via phone, website or app. Because the dealership was unable to verify payoff of my trade it delayed the payoff from being processed since then my account has reached 10 days past due, Ive received 4-5 calls per day since I hit 8 days past due. Theyre aware that a payoff is coming, Ive repeatedly requested no contact other than email from them. Today alone Ive received 4 calls after requesting a do not contact, Per CFBP max attempt is 3 times per day per number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/19 from Union Bank stating that they are closing my account. I called the phone number on the letter and a automated system answered as Union Bank BSA Compliance Department. It instructed me to leave a message and that they would call me back within 2 business days. They called me and would not give me a reason why they are closing my account. They informed me that I am not able or allowed to open another account with them either. I feel as a consumer that I have a right to know why they are doing this. I have handled my account in good standing for 17 years. I have never overdrawn my account or written bad checks so I'm very confused why they decided to close it. 

Thank you.

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 2017-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Debt Collector : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT cc : Federal Trade Commission XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX  XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT or MORTGAGE DEBT PAID This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1. Identify XXXX XXXX XXXX TRUSTEE headquarter and agents 2. Default date of Mortgage 3. Proof that the Statute of Limitations has not expired Your office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: TX
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 Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A 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 explanation
Consumer complaint received 2018-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve debit with XXXX XXXX XXXX XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach.

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After receiving a credit alert from XXXX XXXX, I noticed a collection account, from GC Service 's Limited Partnership, that was posted on my credit report. I immediately wrote them a letter disputing it. I have not received any responses from the letters I mailed GC Services Limited Partnership, but I did receive a fraudulent XXXX Statement from XXXX XXXX, who supposedly conducted the investigation, which they changed the mailing address on an account I never opened only because I opened a complaint with the Better Business Bureau. I noticed this because my name was misspelled, or missing a letter, then immediately noticed the address which is my address. I called them on the phone and this is how they knew of my mailing address and they would not provide me the address that was listed on this account they claim I owe. So I believe they took down my information and switched up what was originally on file with XXXX so they can fraudulently claim I owe them money. Why have n't I received any mail before even reporting to the credit bureaus? I have never received anything from GC Services and I had to contact them myself in order to find out what this account was about. I then contacted XXXX who clearly stated that the address GC Service Limited Partnership claims to have on the statement they mailed me is incorrect and I asked XXXX to verify this by sending me a copy of what they did have on file or what they can mail me as proof and I received a statement totally different than what GC Services Limited Partnership sent me. GC Services Limited Partnership clearly provided me a fraudulent statement from XXXX by changing the address on the statement. Please see attached documents. I had no idea that Collection Agencies would go this far as I never had to deal with any before, but lucky me I have a friend that works for a Collection Agency and guided me on how to report bad companies like GC Services Limited Partnership. I hope I do not have to file a lawsuit, but most certainly will if GC Services Limited Partnership continues to report to my credit reports as I never authorized or gave GC Services Limited Partnership any permission to be or report on my credit reports and demand they remove this immediately and remove my name from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: ACI Worldwide, Corp.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I USED OPC NOW CALLED ACI TO PAY MY FEDERAL TAX BILL ON XX/XX/2022. ON XX/XX/2022 I RECEIVED A BILL FROM THE IRS THAT I OWED {$2700.00} AND THAT THEY HAVE NOT RECEIVED ANY PAYMENT FROM ACI. IT IS IMPOSSIBLE TO CONTACT THIS COMPANY TO RESOLVE ANY ISSUE. 

OPC* US TREASURY PAYMENT PM XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX THIS PAYMENT WAS WITHDRAWN FROM MY XXXX XXXX BANK ACCOUNT ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I sent a debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
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:
I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the XXXX  report failed to load and the Experian report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called XXXX to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The Experian website to request a report did not work when I tried to submit documentation for a report by mail.

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