BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Value on my property has gain enough equity to qualify for XXXX % to XXXX % LTV to remove my PMI. I have proven this with Comps and by consulting with a local appraiser and I sent in a written request to my Bank Flagstar requesting the Removal of the PMI. My bank Flagstar Mortgage keeps giving me the Runaround in regards to the process in which they require me to take in order to remove PMI. I have been told different procedures by XXXX different representatives, I have been told that they will send me a letter explaining what to do and I have not received anything, I have been told that I will get a return phone call and still no return phone call. I have been told that they lost my paper work and that an error cancelled my process. This has been going on for over 2 months and I still can not get an answer on what to do. I have no problem getting an appraisal. A rep from flagstar told me that a letter that will be sent to me states that I need to get an appraisal from XXXX XXXX so I contacted imortage services and imortages services said that the appraisal is {$350.00}, but Flagstar says they wants {$460.00}. I will pay the {$350.00} but feel that I do not need to pay Flagstar an extra {$100.00}, this is extortion. However I still have not received any letter. I have been lied to, ignored, and have spent countless hours of my own time trying to get an answer.

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 2017-03-18
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
All of the charges on the original debt should have been submitted to my insurance. The original creditor did not submit all the charges to my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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 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  , 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 obtain a copy of my credit report without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XX/XX/2015 Evergreen Financial Services violated our privacy by disclosing a debt owed to an unauthorized 3rd party. The collector placed a call to a number the collector found using skip trace. The individual who owns this phone, has pending legal/criminal issues with our family. The violation of our privacy to this individual has created much turmoil for our family now. Furthermore, at XXXX on XX/XX/2015 when I called Evergreen Financial, I spoke with XXXX , and when I asked what the amount we supposedly owed and who we supposedly owed the debt to she refused to give me any information. So, Evergreen Financial first violates our privacy, and then refuses to give me the debtor in the situation any information on the debt. But, XXXX did have the audacity to ask for payment in full- but not give me any information as to the amount or the creditor. They have made no previous attempts to contact us- we had no idea we even supposedly owed the debt. The collector did not verify she was speaking to an authorized party before disclosing that she was attempting to collect a debt. Not only has our privacy been violated, but numerous Federal and State Laws have been violated by Evergreen Financial. How can they attempt to collect a debt when they refuse to give any information to an authorized party, but give private information to a non-authorized party. thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Paypal Holdings, Inc
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal seized XXXX from my paypal account that was sent by XXXX XXXX. Originaly an instant transfer of XXXX was made leaving a balance of XXXX. 
When a dispute was opened up on an unrelated matter Paypal seized the XXXX without merit and refused to return the funds to the original owner. 
I want the XXXX returned to the original owner, XXXX XXXX, so he doesnt need to file a chargeback with his bank. 
You cant seize people 's money without due process and without cause

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I signed up for an XXXX XXXX card, serviced by Synchrony Bank. I elected to receive electronic statements, and did not see my XXXX statement -- I did not make any XXXX purchases so I had no reason to suspect I had a balance ( I paid off my XXXX balance in full ). The XXXX balance was because of the annual XXXX XXXX fee, certainly a valid charge. 

My complaint is about the electronic statement they sent for XXXX ( which did include new purchases ) and receive XX/XX/XXXX. ( see attached ). No where does it mention ( 1 ) that the account is past due, as of XX/XX/XXXX, and ( 2 ) ~ {$30.00} of the balance is because of late fees/interest charges. I only became aware the account was past due via email message on XX/XX/XXXX and by text message on XX/XX/XXXX. 

I find this incredibly deceptive. I do note however that customer service agreed to reverse the late fee and interest charges on XX/XX/XXXX after I complained their practices were deceptive.

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 2017-03-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i do not own this account anymore please remove it from XXXX, XXXX and experian credit file immediately. My credit report at one point showed it as paid in full, but reverted back to {$2000.00} balance and this account is effecting my score.

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 2017-03-11
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received calls and notices from Choice Recovery in regards to an alleged debt owed of {$1800.00}. I sent a dispute notice for validation a few months ago and never received any response.

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
Consumer complaint received 2017-02-28
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage paid off by certified check on XX/XX/XXXX. Company did not submit request to XXXX County until XX/XX/XXXX. I can not get a straight answer from SLS about receiving my deed. Getting conflicting information from two different representatives at SLS. Promised documentation not sent to me by company.

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 2015-09-16
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Linebarger Goggan Blair & Sampson , LLP stating I owe {$450.00} due in 10 days, and if I do not respond an arrest warrant could be issued by a peace officer. 
I called the phone number on the letter XXXX and they said they did n't have any other information except it was a ticket from 2004 and I lived in XXXX, TX. I 've never lived in XXXX, TX therefore they have the wrong person. 
They said they did n't have any other information than that, and they will continue to try to collect the debt. 
I searched for citations online for City of XXXX, and XXXX County and could not find anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2015, I made XXXX payments of {$3700.00} to Shellpoint Mortgage Servicing. According to documents that were supplied by XXXX as well as statements made by employees and agents of XXXX, these payments would cover interest only. The payments were insufficient to cover principal, and in fact were not enough to cover the actual interest in each payment period. The total interest payments in 2015 totaled {$11000.00}. XXXX reported to the IRS that my interest payments in 2015 were only {$8100.00}. This is the figure that was supplied on the IRS form XXXX. There has never been an explanation as to what happened to the {$3100.00} difference. I believe XXXX is violating Mortgage Servicing Rules by either under-reporting interest paid in a year or failing to report on the reason for the difference between interest paid by the homeowner ( myself ) and interest reported to the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Sunlight Financial LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at XXXX different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were XXXX, XXXX, Sunlight and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.

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 2016-07-21
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called at XXXX from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with XXXX XXXX XXXX and XXXX on the collection, and that it was in fact illegal. The company has also consistently called and harassed me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2015 I refinanced my home from XXXX on a 30 year 4.2 % ( {$980.00} apx payment ) to a loan to my bank at USAA on a 15 year ( 2.8 % ). The estimated payment to the re-financed loan was provided to me at {$1500.00}, and just three months into the re-financed loan I received an " Annual Escrow Account Disclosure Statement '' showing that the company failed to include {$6200.00} amounting to a change of payment from {$1500.00} to a new payment of {$2000.00} ( which is a very significant increase ). There were numerous additional problems in securing the loan that I reported to USAA 's executive resolutions department including it taking over 8 months to lock in a loan rate, identified by USAA to be numerous lost opportunities. This feels like a " bait and switch '' in which I would never have agreed to a {$2100.00} mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Maxitransfers LLC
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I send some money to XXXX through XXXX And my family can receive the money And been calling to XXXX and they are so disrespectful And just hang out the phone They not want to give my money back.

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 2016-02-19
Company: Main Street Personal Finance
State: IN
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I took out a payday loan and went on payments. When first payment was due I was unable to make the payment. I contacted the institution and told them I had XXXX and was short on cash due to being out of work and unable to make the payment. I was told they would submit the check to my bank and once it was returned I could call and make payment arrangements. So that check was presented to my bank, returned nsf ( charged fees ) and then I called and made payment arrangements. They accepted a payment arrangement from me for XX/XX/2016 on my next payday. On that date, they ran my check through again and my bank cleared it with nsf fees. I do n't think it 's lawful that after accepting a payment arrangement from me that they could run my ck through for full payment. They never disclosed to me when I made the payment arrangement that they would run my check though on my next payday. They had accepted a payment arrangement from me and turned around and resubmitted my check, now my acct negative and I am unable to pay my utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I notified the bureaus that the information that is being reported is not only inaccurate but also a violation of my federally protected rights as a consumer and they continue to report the information continuing to cause irreversible damage to my reputation as well as causing financial harm to me as a consumer.

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 2018-05-28
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I filed a dispute of a debt Cavalry Portfolio claims to own with XXXX, XXXX, and XXXX. ( see attached letter dated XX/XX/XXXX XXXX, XXXX and XXXX all forwarded the information to Cavalry Portfolio with a deadline to provide validation by XX/XX/XXXX. 

Also On XX/XX/XXXX, I requested Cavalry Portfolio to provide validation of a debt the claim they own I also requested XXXX to provide accounting of the amount they claim I owe to XXXX XXXX. ) On XXXX XXXX, XXXX XXXX XXXX claims to have mailed me proper validation.Yet they failed to provide a copy of those documents in their response. Making allegations or claims without providing documents of support does not hold any legal standing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( a third party debt collector associated with Cavalry Portfolio ) requesting a settlement for the same XXXX XXXX debt of {$790.00}. This is the only correspondence I have received. 

Cavalry Portfolio never timely responded to my request and have provided no proof they have. 

I am requesting a copy of the letter Cavalry claims to have mailed me on XX/XX/XXXX and proof of mailing they actually sent this letter. 

On XX/XX/XXXX, I filed a Civil claim against Cavalry Portfolio. Since they thought I was bluffing and since it seems to be the only way to obtain unredacted records. 

Cavalry reported this debt to the CRAs with misleading information and deliberately left out crucial information with the intent to defraud. 

Cavalry Portfolio never provided the date of last activity for this account. Alternately Cavalry reports the DATE OPENED as XX/XX/XXXX. This misleads creditors and has a greater negative impact on my credit scores. Negative information has less impact of a consumers credit score as time passes. 

Additionally, Cavalry Portfolio themselves admit they did not buy this debt until XX/XX/XXXX. Therefore, by their own admittance, they reported inaccurate information to the credit bureaus and twice confirmed this information as accurate. This material fact alone is a cause for fines and damages. 

I dont even need to address other false information and violations committed by Cavalry. Instead I will wait for our court appearance and my amended complaint to address those.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed XXXX several times. I provided Equifax and XXXX with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, XXXX, XXXX Equifax. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done XXXX in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have XXXX accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX  XXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
Equifax has Deleted XXXX XXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, BBB and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, XXXX investigations in a row. 
THIS is a HUGE violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Interstate Recovery Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
It 's from a company called XXXX that says I owe them for magazines that I did not order. 
In 2006 XXXX XXXX called saying I owed them for a magazine subscription that I did not order and I told them that and they sent the magazings anyway and I sent them back. They left me alone for ten years now a collection agentcy is trying to collect it. I tryed to explain to them I did not order the magazines and I 'm XXXX an draw a small check every month and can not afford to pay it. I keep telling them that I did't order from them. Interstate Recovery Service calls day and night 5 to 6 times a day. Please help. XXXX XXXX XXXX

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