BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A Mortgage Servicing company paid a lien by the Homeowners Association an amount higher than what was negotiated with a Law Firm that I hired. Due to the years of errors and refusals to provide an accounting of the prior lien and now it appears another lien has been placed which has our family in turmoil. We hired a Law Firm that has failed to protect our interest. The Homeowners Association filed legal actions in two different counties against us and our property, which has caused a lot of confusion. On many occasions we have requested to resolved this matter amicably and lost out on an opportunity to refinance our home when interest rates were lower. Our family has been damaged financially and emotionally for years and feel the fraud, deceptive practices must me addressed forthwith. The HOA never provided a payoff to our lender that was going to pay the settlement amount. 

Documents to support our position is available and will be provided upon request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: ARVEST BANK GROUP, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property is located in XXXX XXXX Indiana. Taxes are due twice a year ( XXXX and XXXX ). At the beginning of XXXX. I realized they still had not paid my XXXX installment so I sent an email requesting it be paid. I received a generic response stating " we will pay it by the economic loss date ''. At this point the taxes were late and a 5 % penalty was due. They were also escrowing for the incorrect amount which caused me to have a surplus once the taxes were actually paid. They completed my escrow analysis on XX/XX/XXXX using the higher amount so I requested that the loan be re-analyzed due to the surplus and to reduce the amount of escrow for the coming year as they were escrowing {$300.00} more then necessary for the 2nd half taxes which is about a $ XXXXmonth difference in my payment. Arvest is not responding to emails I have sent requesting it. It is now XXXX and my first request was sent on XXXX. Since this is now the 2nd year in a row I have had to provide tax documentation to my mortgage company when it should be their responsibility to manage it properly and they are not fixing my account or responding I am now asking that you intervene on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am on a fixed income and have attempted to pay the loan. At this time I have asked them to not contact me through a cease and desist letter. They continue to harass me and my family. I am requesting that they stop the harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX XXXX XXXX flagged my credit with a medical debt from a hospital Ive never attended or heard of. I disputed the bill as fraud and contacted the collection agency. After about 2 months or less the debt was removed and i assumed removed as fraud. I filled a fraud complaint with the FTC and reported the issue to the police department. In XXXX of XXXX the debt was reported back on my credit credit through a company called XXXX. Ive reached out to XXXX about the debt however no one answered or returned my phone call. Ive disputed the debt several time this year, i also filled another claim with the FTC and the police. However the issue still isnt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Adler Wallach & Associates, Inc.
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:
This is not mine they will not remove! AWA COLLECTIONS Address : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$500.00} past due as of XX/XX/XXXX. Status Details : This account is scheduled to continue on record until XX/XX/XXXX.
This item was updated from our processing of your dispute in XX/XX/XXXX. I disputed with them they are saying it 's mine but it is not! Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
previous complaint XXXX is not resolved & the nature of the complaint remains the same. I still receive calls daily. Today I received my most recent call from the number listed on the complaint at XXXX XXXX central time. the company response to my previous complaint suggested that I may have additional numbers that I need to provide ; however, XXXX is the only number for my business. I 'm very frustrated with the lack of resolution in dealing with this issue & hope that you can influence a result soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Alpha Recovery Corp
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alpha Recovery Corp is attempting to collect an erroneous debt on behalf of XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX  as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. 

I previously disputed that XXXX XXXX XXXX, XXXX was not my creditor and that no debt was owed to XXXX XXXX XXXX, XXXX. Additionally, XXXX XXXX XXXX, XXXX was removed from my credit reports. Alpha Recovery Corp 's attempt to collect this debt is in direct violation of FDCPA. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. 

I hereby further dispute the account ending in XXXX with XXXX  XXXX XXXX XXXX  and the balance amount owed of {$1600.00}. Wherefore, XXXX XXXX XXXX, XXXX is not my creditor and no debt is owed to XXXX XXXX XXXX, XXXX. I had no prior lender relationship for the account ending in XXXX with XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had money sent to me by cash app for $ XXXXthis happen every month but this XXXX the account was locked. Cash app says they can not unlock the account because of security with no further details.therefore the sender ask for refund he was told no because it the money was in my account.cash app did offer me any way of getting my money and then transfer to my bank account that was attached to account or put in cash app none this is done the just keep my money is this legal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: 360 MORTGAGE GROUP LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
360 Mortage services my loan. The company has refused to send my overage in my escrow and has continued to overcharge me with incorrect billing statements. I requested the company to send me my overage of funds of {$1700.00} along with any other funds I have over paid and the representative XXXX refused to comply with Morgage Servicing regulations. I have included documents of proof regarding payments and confirmation numbers below. This correspondence will also be sent to the State Attorney General, State Auditor of Texas and Mississippi. to assist with resolving these issues and investigate fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NV
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as a Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX XXXX XXXX XXXX! As I am in the process of seeking legal action. This must stop!

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 2019-10-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I purchased three items of jewelry from Zales Outlet to be delivered to the Zales store located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX in XXXX. These items were charged to the credit account opened through the store and managed by Comenity Capital Bank XXXX XXXX XXXX, XXXX XXXX, TX XXXX. However the items were misplaced by the local store & not delivered to me. After two visits, the items were located & I finally received the items XX/XX/2019. 

Despite repeated discussions with Comenity Capital Bank prior to receiving the ordered products, they would not enter a disputed claim. The bank states they have no way to dispute the charges or confirm delivery with their related service for Zales & will not remove the charges or eliminate fees for the period when Zales did not deliver product or services. 

When speaking with XXXX & XXXX in Customer Care, I was told they will not dispute the charges and would only waive a {$39.00} late fee instead of resolving the issues. They would continue to try to collect late fees & interest for items not received instead of opening a dispute of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of 2017 I contacted ProCollect as soon as I found out from the original company that my account was sent to them and paid approximately {$2000.00} which is the FULL amount of what I owed. I was told that the big XXXX credit reporting agencies would be notified. However, since then, not only does ProCollect continue to report this account, they report it as being delinquent!!! Because of this my credit score continues to suffer as they are showing the debt as continuing to be delinquent because they report it as such to the credit reporting agencies every month!!! I want ProCollect to stop reporting the account as delinquent on my report as of XXXX 2017 as that is when I completely and FULLY resolved this issue and paid them in full voluntarily!!!
These people are out of control and there needs to be tighter regulations on them having so much control over people 's credit health ... especially since they have very vial and hostile attitudes when you try to reason with them. They wield too much power ''! They just do mean and unfair things to people because they CAN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Greetings, I spoke with customer service regarding missing payments on several occasions with regards to payments made in XX/XX/XXXX/XX/XX/XXXXprior to the extension due to a hardship. Therefore the rep advised that I would have to pay interest on the loan since the payment would be moved to the back end. However the additional payments made were taken after the extension was granted. When I inquired the rep advised that it would be credited to my account, which to date has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a traffic citation from XXXX County on XX/XX/2019. I paid the traffic citation in full in the amount of {$160.00} on XX/XX/2019. Recently, on XX/XX/2019, I received a collection notice in the mail from Penn Credit Corporation. They claim that I have an outstanding balance with XXXX County Clerk of {$62.00}. I responded to the notice by calling the number provided to explain that I had already paid the amount in full. They asked that I sent proof of payment. I proceeded to email a copy of my receipt from XXXX County. And today on XX/XX/2019. I received a phone call from Penn credit stating that the receipt I provided was not sufficient enough proof of payment of my traffic citation. Now, they are asking that I send over copies of my credit card statement showing that the funds were taken from my account. 

I believe this is a scam because I have not received any correspondence from XXXX County stating that they have not received my traffic citation payment. It seemingly went straight to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had a lot of problems with Goldman Sachs and I'm worried that they loose financial transactions and then I need to spend many hours fixing problems ( last issue took 7 connections with GS and a complaint to the CFPB to resolve ).

I asked to have my account closed. I had the representative confirm that I have no outstanding balance and that there are no pending transactions. Even after that the representative wants me to agree that I will pay any outstanding balance. Given the unreliability of their previous activities, I am only willing to agree to the statement that I agree that I have paid my account in full and have no outstanding obligations to Goldman Sachs.

I am not willing to commit to paying some nebulous charges that they may " find '' in the future. I want my account closed without being held hostage to GS for any future mishaps on their side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: PMAB,LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017, I requested validation of this debt, including a contract bearing my signature. On, XXXX XXXX, 2017, I received a copy of a bill as validation. ( Attached ). This is not a contract signed by me and the balance owed states " {$0.00} ''. They are also reporting the incorrect dates on my credit bureau reports. The date of last activity by me, is XXXX XXXX, 2017. The other activity is by insurance and them! This is illegal, as this re-ages the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Navient Solutions, LLC.
State: TX
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:
In XX/XX/2019 I consolidated all of my Navient student loans with XXXX servicing. The new loan appears accurately on my report. However, my XXXX Navient loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to Navient but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello my name is XXXX XXXX and in XXXX, I was a victim of an home invasion. All of my personal belongings were taken including my wallet holding my bank cards, phone, and a lot of paperwork with passwords to many of my accounts. Shortly after I had fraudulent activities happen with my bank account putting my account in the negatives and closing my account. I would like a reconsideration to be allowed to open an account to prove I can continue to maintain my account under the guidelines of the company. I believe this is a situation out of my control.

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 2022-02-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 I received a email saying my XXXX  Account has been permanently suspended for some type of fraud activty I have no clue about also my full account balance is still on the account in the amount of {$2700.00} that came from my college funds that I need to pay for my courses

Company response to consumer: Closed with monetary relief