BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have insurance with maximum out of pocket of XXXX. Paid all XXXX have proof, actually sued in XXXX XXXX wv to other debt collectors for collecting on a debt that they now acknowledge paid I have never seen this debt. I paid this small charge because cheaper to protect my credit. But this needs removed. We are filling suit this Friday on Ohio magistrate court to remove and award damages for false reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A police report has been file with the : XXXX County Sherrifs Office Case # XXXX. The report was filed for identifdtity theft and I have reported the accounts attempting to collect debt not belogning to me. I have asked the credit agencies to place a fraud alert on amy credit repot and this has been achieved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To : Consumer Financial Protection Bureau XX/XX/XXXX CC ; Correspondence Team ( Fax # XXXX ) Sub : Dispute of Loan # XXXX of Seterus Borrower : XXXX at XXXX, XXXX CA XXXX 5th Resending!!! 
To whom it may concern, I discussed XXXX, SME of Seterus customer service today XX/XX/XXXX to dispute {$90.00} inspection charge that is not my responsibility but the issue from the transit period to Seterus from XXXX in XX/XX/XXXX. I always paid the mortgage on time 100 %. I never got the transfer letter attached in timely manner and they just charged the inspection fees without any inspection notification letter to me. I am so frustrated that Seterus {$90.00} charge on the statement over 3 years that I have disputed. 
Per the conversation with Seterus Customer Service team in XX/XX/XXXX, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fault from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee as XXXX and I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXX or call me at XXXX. 
Regards, XXXX. 
Attachment : transfer letter of XX/XX/XXXX was receive in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Sale of account

Complaint:
I was making a purchase online where the merchant only accepted Paypal for payment. After logging into my account I verified the amount and put in my new shipping address. The purchase was completed through my external ( XXXX XXXX XXXX credit card, so I thought. Today I received a bill from Paypal letting me know that I had a bill due to them from my new credit line. This was odd as I never signed up for a Paypal credit card. Apparently Paypal has set up their system to auto select their " pre-approved '' credit cards when processing payments through their system. In essence, they have taken the information I have provided over the years and ran my credit without my permission, opened up a credit card in my name to their institution without my permission, and processed payment on said credit card. Understanding the rules of credit, this has negatively affected my overall credit score, even if minimally, without my consent. As I am in the process of purchasing a new house this change may affect the interest rate on a 30 years loan ( even if minimally ). I believe this to be an extremely unethical business practice and the CFPB should be made aware of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2018-03-21
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled in automatic payments for my student loan repayment through XXXX XXXX XXXX  for over a year. Today on XX/XX/XXXX I checked in on my account to see if they had received paperwork I submitted several months ago to renew my enrollment in the Public Service Loan Forgiveness program. When I logged onto my account, it said my last posted payment had been forXX/XX/XXXX. I double checked my bank statements and there has been no automatic withdrawals on my account since XX/XX/XXXX. I received no notifications from XXXX XXXX XXXX   that my payments through automatic payment had been suspended or that I had late payments. When I attempted to reach a loan service officer via the toll free number, no option was given to me to speak to a representative. I am highly concerned I will now be billed {$600.00} in back payments for payments that should have been billed and drafted from my account automatically over the last 3 months, or that these late payments will be submitted to credit reporting companies. Additionally, I have gotten no confirmation of my enrollment in PSLF program and no assurance that I am making qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I made a claim to my insurance company for water damage to my home. They reimbursed me for water restoration and repairs. Checks were made out to me and my mortgage company. I contacted my mortgage company to see how I go about cashing the checks. I was told to endorse the checks, complete numerous forms and mail all of it to them ... which I did promptly. A few days later I called to make sure they received everything. They said they had n't gotten it yet. Next time I called they said they got the checks but not the forms ( IMPOSSIBLE since they were all mailed together ). On future phone calls I was told the following : 1 ) they did find the forms, 2 ) that I now needed a XXXX form from the water restoration company ( why was n't this form requested along with the first ones?? ), 3 ) that they did n't receive the requested XXXX form..so I sent it again, 4 ) now they did have the XXXX, 5 ) that they could n't refund my money because the corporate office had put a stop on my loan, 6 ) that the stop was put on in error and they would remove it. Last call was made two days after they said they would ask the corporate office to remove the stop. I was told they would call me when it was removed and they would process my check at that time ; that was 2 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Paypal Holdings, Inc
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I accidentally had PayPal draw funds from the wrong source to pay for XXXX separate transactions. When I realized the mistake, I promptly called PayPal to change the funding source and ensure PayPal would receive the funds they fronted to pay the sellers. I was informed that it was impossible to change the funding source and that they would be trying to receive funds from an overdrawn account in three days no matter what. It is unacceptable that PayPal will not allow me to prevent further overdraft of my checking account and ensure their swift repayment from an alternate source.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Rocket Mortgage, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Earlier this month, my significant other received an offer from Quicken loans that he was pre-qualified to refinance the loan on the condo we own jointly. I did not receive a similar offer. I am primary on the title, mortgage, and insurance for the condo. 

I contacted Quicken loans for an explanation why the primary owner of the condo ( me ) was not made the offer, but the non-primary was. Over a series of 5 phone calls between XX/XX/XXXX and XX/XX/XXXX, I was told the data was acquired from public records through a third party. When repeatedly asking for the criteria of who receives solicitations, I was denied any actual information, and presented with a ever changing list of possible reasons, none of which were accurate. First it may have ben title info, but I pointed out I am primary on title. Then I was told it may have been mortgage, but I am primary there as well. Then I was told it may be DMV ; I pointed out that my driver 's license is also pointing to this condo address. I was told it may be a credit report ; I told them my credit rating is routinely higher than my boyfriend 's. Then it may be income ; but we have commensurate incomes, with me having the higher income the majority of the last 20 years. 

My understanding from your website is that it is illegal to " discourage you from applying for credit. '' But if lending solicitations are not made to females with equal financial qualifications, isn't that de facto discouragement? 

I have been denied any specific information about why I was not solicited, other than my info was not in the data purchased from the third party. Quicken would provide no specifics of the criteria used for solicitation -- just hypotheticals, none of which account for the disparate treatment. I have also been denied the opportunity to talk with Quicken 's legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Shellpoint Partners, LLC
State: VA
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:
Shellpoint Mortgage XXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program Shellpoint promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with Shellpoint in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, Shellpoint Mortgage reported to all three credit reports that my mortgage was 60 days late. Then recently, Shellpoint Mortgage reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on Shellpoint Mortgage website. Shellpoint Mortgage and the three Credit Bureaus XXXX, XXXX and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was a medical expense for an expensive procedure that was eventually covered in full by my insurance. At first my insurance only covered the expense as out of network, but I filed an appeal and eventually got my insurance to cover the entire expense as in-network. The appeal process took a long time, but all the while I called XXXX the doctors office XXXX and the debt collector ( Allied Collection Services ) several times to inform them they will likely be paid by the insurance company, not me. I provided them with documents proving my claim was still under review by my insurance. They would n't even take them from me. 

The debt collectors response was to threaten me with over {$700.00} in legal fees and interest. They also threatened to report me to the credit agencies. In order to " avoid all of this '' they forced me to sign a Promissory Note for the debt that was still in dispute. Before I signed I added notes to the side of the Promissory Note saying they will not do any of the above if and when they are paid by insurance. ( see attached ). They obviously ignored that, as even after my insurance has paid in full they reported " my debt '' to the credit agencies as unpaid. 

I have forgotten bills before, and I have had the unfortunate experience of dealing with debt collectors before. However, I have to say this debt collector was absolutely horrible to work with. Their tactics are horrible, they care nothing of the circumstances of the debt in question, and do not hesitate to threaten all kinds of actions against you. Also, when you call or visit them they transfer you from person to person each without enough experience/authority to do anything other than repeat the above threats.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: Eagle Accounts Group, Inc.
State: IN
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 asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wakefield and Associates at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of {$880.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Paypal Holdings, Inc
State: IL
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I was charged by Paypal for monthly services with XXXX. Approximately 2 hours after the charge, the service was canceled with XXXX, and the money was was refunded in my Paypal account. 
However, regardless of the refund by XXXX, Paypal tried to charge my savings account 4 times, which resulted in {$70.00} fees charged by the bank. 
I also contacted Paypal`s costumer service, and I was explained that Paypal`s system will continue to attempt to charge my savings account until the money is taken out of my account regardless of the XXXX refunds, because the system is set up this way, and the charges can not be stopped manually. 
An email with this issue was send to open complaint case, with no reply whatsoever from Paypal. 

As a result, my savings account was removed from my Paypal account, I had to pay {$70.00} fees to XXXX XXXX XXXX. 

You can find bellow details of the transactions : Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Invoice ID XXXX Your purchase XXXX, XXXX {$34.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00} Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX ID XXXX Your purchase XXXX, XXXX {$34.00} Tax {$0.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: I.C. System, Inc.
State: GA
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:
Account appeared on my credit report. I am unaware of the debt. They refuse to remove after several disputes

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 2015-12-03
Company: American Financial Resources, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Refinancing. On XXXX American Financial Resources provided a loan estimate which indicated approximately {$2000.00} in closing. We proceeded with them. By XXXX written and verbal communication with the lender indicated closing costs of approximately {$1300.00}. 

Three days before close on XXXX new closing documents were provided indicating closing costs of approximately {$7000.00}. 

Lender has been unable to explain the {$5700.00} discrepancy introduced between XXXX and XXXX. Lender attempted to coerce me into signing when I expressed I am uncomfortable with the changes made stating :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Here are my concern, I am upset and annoy that Credit Acceptance would not understand my problem. I explain to them that I am victim of flood that hit state of South Carolina in XXXX XXXX. Because of the flood, it is the reason I am have trouble making payment of my auto loan. This flood damages my home and also put me out of work for few months. Now I had this auto loan since XXXX XXXX and always made my monthly payments on time and more than what is asked to be paid. My monthly payment is {$280.00}, but I always made {$300.00} monthly. On Friday night I made a payment of what is owe leaving me a balance of {$60.00}, so when I got home later that night I find that my vehicle were missing out my backyard. After calling the police to file missing report my vehicle is gone, the officer told me to call the financial company first because they may have it. If Credit Acceptance told you that they done then call back and we file missing vehicle report. I call Credit Acceptance ask where my vehicle is, nobody could not answer my question until next day. Credit Acceptance wanted me to make payment arrangement for the balance amount of {$60.00}. I am confused is what I explain to them because I do n't understand if my vehicle has shut off system on it, then why come and get the vehicle. I got no answer ; instead they wanted me to make arrange for the balance amount of {$60.00}. When I questions them about state of South Carolina law on repossess of vehicle, here is what Credit Acceptance told me " we are second chance auto loan provide and we do n't have to give rights to notice letter. '' I call the dealer to explain my situation and the dealer were very shocker because he was told if you communicate with Credit Acceptance they would never come get the vehicle. 
So I had to pay a fee of {$250.00} to get my vehicle back, and {$50.00} fee to towing company that clean out vehicle. Not to mention the cost for travel to get my vehicle from XXXX, SC at auction. The Credit Acceptance told me that I still had fee to pay on top of my regular monthly payment. That fee came too totally of {$850.00}. Credit Acceptance break down into monthly fee attach with my monthly payments.

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