BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in foreclosure after a severe XXXX XXXX  caused me to fall behind in payments. I received a grant from XXXX XXXX the amount of {$48000.00} to get me out of the rears and pay the next 5 months of mortgage payments as I continue to heal and get back to working full time. When the government agency asked Provident Funding for the amount I was in the rears, they paid my rears in full and made my XXXX payment. After Provident received the rears payment and mortgage payment, they reached out to the XXXX and said they had other monies owed from the lawyer and needed to be paid so I do not go back into the rears. I was not informed of this and when the government agency told me, I thought it was odd that my mortgage company never sent me any info on this so I asked them. The Sheriff 's Auction/auctioneer fees were {$4900.00} along with other fees. When I asked the mortgage company about it, they told me that what the lawyer sent. Since this was a little on the high side since it never went to auction, I called the sheriff 's office, my fees charged was {$2400.00}. Now I call the law firm and I 'm told the mortgage company is lying and was never sent a legal bill yet. So Povident called the government agency, demanding more money for a legal bill they never received or paid out with amounts they made up. If this is not illegal I think it should be. This additional money paid out was to go to XXXX and XXXX mortgage payments. I do n't understand how they can give an amount to get current only to come back after being paid to tell a government agency you now owe more to be current and they also sent me a bill to be insured by their insurance company over {$1000.00} for 6 months when they already paid my personal homeowners policy. I no longer trust them, I would have not known I owed any other monies if the government agency did n't call me and the money they took were double what I was being billed by the lawyer ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: OR
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 private Information that I did not authorize to be shared is being reported to a non affiliated third party which is fraud. I never consented for my private information to be shared with experian I have already reached out about this on multi occasions and highly upset and given that the wrong information is being reported and is not in line with my XXXX report this is another violation. It needs to be removed asap before I seek legal action.

Unless experian can prove that the have my authorization to report my private information they need to stop reporting. They are furnishing a deceptive form and I will take them to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: The CMI Group, Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit. i contacted XXXX XXXX., the collectors. and the reporting agencies. to date nothing has changed after 6 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to TRANSWORLD systems on XX/XX/2022 and they received it on XX/XX/2022 via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I do not owe this debt. This company has failed to validate this debt by not responding at all. Please delete this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously filed a complaint on XXXX/XXXX/2022 with the CFPB against IC SYSTEM that was closed without any attempt of an investigation into the matter at hand. 

This organization violated federal law and continue to ignore any actions that are taken by me. 

Its been 29 days and I have not received a single piece of mail from IC SYSTEM and I do not understand how or why this is allowed to happen. 

IC SYSTEM posted an unverified collection to my credit without allowing me the opportunity to dispute the debt. Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Repeated attempts to talk with a representative at issuing bank. 

Calls transferred to automatic system with no human interface.

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 2020-01-09
Company: La Casa Bonita Investments
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan forbearance was coming up to an end and I started recieving emails and calls about the new repayment plans offered. The explanation of these plans are offered on the US Department of Education 's website so when XXXX XXXX XXXX   contacted me giving me all the details of all of my loans and described which plans I may be eligible for, it seemed like a legitimate company. Due to the fact that I made below a certain amount of money, I qualified for the Income Driven Repayment program. Which was explained to me that if I paid the {$540.00} dollar fee plus $ XXXX that I would only have to pay $ XXXX for the next 20 years, and that I qualified for all of my interest to basically go away and that now I would only have to pay the principal for as long as i had the same income. The only way that would change is if I had a substantial change in income. I entered into the agreement with the XXXX XXXX XXXX, referred to as XXXX, on XX/XX/2019. I made the monthly payments of {$180.00} for 3 months at the end of each month XX/XX/2019, XX/XX/2019, and XX/XX/2019 totally {$540.00}. No change in my income has occurred. Once I paid the {$540.00}, I spoke with someone at the US Department of Education because I was still receiving letters about my student loans. They informed me that the XXXX was not a company that they are affiliated with and that my interest was actually 6 %!! I explained to them what I was told and the payment plans, they told me that if I was entered into the agreement under false pretenses that I would need to report it. I have since then, put all of my loans back to the previous lender that is recognized by the US Department of Education and have attempted to contact the company XXXX for a refund of my funds. I called the phone number provided to me in the emails containing the contract and have spoken with them when filing the agreements in XXXX through this phone number, now the phone number is temporarily out of service. My credit card company who is supposed to protect me against fraud is giving me a really hard time about this. This credit card company is XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX / XXXX / {$0.00} XXXX  XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC collection agency claims I owe XXXX XXXX XXXX money. I do not have an account with XXXX XXXX XXXX of any kind. Never had! The amount claimed is {$1100.00}. Received the letter from them on XXXX. I have called ERC and explained that I had NO account with XXXX XXXX XXXX and it seems like it is FRAUD even how they wanted to make payments to XXXX XXXX or XXXX market. This is a strange? This sounds like crooks to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed XXXX XXXXXXXX XXXX on my credit report. That account does not belong to 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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 noticed XXXX XXXX Ser on my credit report. That account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: ProCollect, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second complaint I'm filing against this company ( ProCollect , Inc ). They have fraudulently credit reported this debt which is having serious effects on my credit, preventing me from obtaining new housing and a better job. I was employed with the Original Creditor ( XXXX XXXX XXXX ) in 2018 as a Maintenance Supervisor and lived on the premises to which they are stating I broke a lease with them. This is absolutely false as I was on a month to month basis with them and was never on any lease. I can tell you for a fact that anyone employed with an apartment complex is never put on a year lease for the simple fact that if the employment is terminated for any reason, then there wouldn't be a binding contract obligating the employee to stay at that apartment. When I filed the last complaint, ProCollect sent me some falsified documents that made absolutely no sense and appeared to be missing pages. I do not owe this debt and I demand this be deleted from my credit report or I will move forward with legal action. There are plenty of XXXX XXXX XXXX that will sue a debt collector for the slightest violations of FDCPA and FCRA. This is complete fraud and harassment. I will sue ProCollect to the fullest extent of the law!!! I want this off my credit NOW!!!!

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 2019-10-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am having issues with Nissan Motor XXXX XXXX in that they have been contacting me repeatedly, sometimes several times a day, even on Sundays while I'm in church regarding my auto loan. I have indicated to them their tactics are bordering on harassment, an issue which was denied over the phone. Following their last call, a few minutes ago, I indicated that I am immediately going to file a complaint, with you, against them. the dates of their calls include XX/XX/XXXX, XX/XX/XXXX, four times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, twice on XX/XX/XXXX, and the one this morning. Each time I had spoken to them, I had pointed out that I only get paid once a month and that I would be unable to pay them until then, to which I was informed " '' they wouldn't be able to wait until then. When i was more recently contacted, they had agreed to my paying them upon my getting paid, at which point I felt this matter had been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection agency is trying to collect a debt I already paid over a year ago. They never made any attempt to contact me via telephone or letter informing me of such. I only found out because of an alert with a credit monitoring system I have. They never notified me giving me an opportunity to dispute the debt and show proof that it has been paid. The original creditor hired them because I threatened to sue them regarding another matter. They are purposely trying to hurt my credit and it has worked thus far because I have been denied credit baised on their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Bonneville Billing and Collections
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/18 I was informed by XXXX XXXX that Bonneville Collections had increased the amount owed on a debt. This is not the first time. My original debt was XXXX and they have raised it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
I sent a certified procedural verification letter and I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX  is unacceptable for verification. However, All I received was a letter stating we have verified with the company that the information is accurate or updated Yet again, wheres the documents verifying that to me? I have not received any information from anyone that verified these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV FUNDING LLC XXXXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. 
I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am awaiting a response regarding my mortgage interest payment reported to IRS for tax year XXXX and additional information regarding interest from Shellpoint Mortgage Servicing, A Division of NewRez, LLC on behalf of note owner XXXX XXXX XXXX XXXX as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # XXXX and XX/XX/XXXX, See Exhibit # XXXX, from Shellpoint Mortgage Servicing, A Division of NewRez LLC of XXXX SC, on behalf of note owner XXXX XXXX XXXX XXXX. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from Shellpoint Mortgage Service, A Division of NewRez LLC of XXXX, MI on behalf of XXXX XXXX XXXX XXXX, the noteholder, with both letters stating, " we are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to Loan # XXXX for property XXXX XXXX XXXX, XXXX MD XXXX : 1. What is the date that Shellpoint Mortgage Servicing sent the original IRS Form 1098 for XXXX to IRS? 

2. What is the date that Shellpoint Mortgage Servicing sent the corrected IRS Form 1098 for XXXX to IRS? 

3. What is the date that Shellpoint Mortgage Servicing sent the original IRS Form 1099-INT for XXXX  to IRS? 

4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months showing? 

5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that Shellpoint Mortgage Servicing has on record for me with NewRez, LLC as the third-party requestor? 

XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that Shellpoint Mortgage Servicing has on record for me with Shellpoint Mortgage Servicing as the third-party requestor? 

7. What is the name of the contact person at Shellpoint Mortgage Servicing and NewRez, LLC for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 

XXXX. What is the name of the contact person at XXXX XXXX XXXX XXXX, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 

XXXX. Where are the copies of any documents with Shellpoint Mortgage Servicing and NewRez, LLC that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: First Technology Federal Credit Union
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking/savings account with First Tech FCU on XX/XX/2022. 

I made several deposits including the following : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$990.00} XX/XX/XXXX : {$1900.00} On XX/XX/XXXX, I received a secure message that my account was temporarily suspended. 

I have contacted First Tech a number of times by phone, approximately every 2 weeks, to find out when I will be able to regain access to my account and have been provided no information. 

I have received no other correspondence via phone, email or mail since the secure message received on XX/XX/XXXX. 

As of the posting of this complaint, it has been XXXX  days since access to my account has been suspended.

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