BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: I.Q. DATA INTERNATIONAL, INC.
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:
IQ Data is trying to collect on a bogus water bill from when I used to live at an apartment complex called XXXX XXXX in XX/XX/XXXX. They say I owe {$280.00}. The apartment had XXXX proof of this debt. My water bill was like $ XXXX {$30.00} dollars per month and I added it with the rent. I move out when lease ends and they want to charge crazy amounts for water. I got it removed from my credit report in XX/XX/XXXX and here it is over XXXX years later and IQ Data keeps calling me and using unprofessional techniques. I say it 's not even on my credit and was removed. They say do n't care and I need to pay. They say it 's only {$280.00} and do n't I work? Very rude and bullying, trying to collect on something that I already proved I do n't owe and was removed years ago. I feel like suing them at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I surrendered my home at XXXX XXXX XXXX in XXXX XXXX Illinois to XXXX Portfolio Services on XXXX XXXX, 2015 per their Deed in Lieu protocol. 
I eventually received my relocation assistance XX/XX/XXXX after numerous phone calls in which I was given false or no information. 
As a result of this unnecessary vacating the property ( it is still empty 10 months later ) I was forced to spend on HOA payments ( they are seeking over {$2000.00} from me ), duplicate utilities and expense of physically relocating I find myself in financial hardship once again. 

I could still be living there with my assistance in tact had SPS not forced me out and caused me to deplete those funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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:
The Credit Bureau stated the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reporting accurate and im trying figure how that is possible if the there is not an account # number and the date of last activity is not reporting correctly on all 3 bureaus which is ground for automatic removal. 

They also violated my rights under the 15 USC 1681 section 604A section 2. The law clearly states that a consumer reporting agency can not furnish information on my credit report without my written instruction, and they clearly violated my rights.

They also violated my right under 15 USC 1681 section 611 ( 2 ) ( a ). The law clearly states the credit Bureau has 5 days to notify me from the when they receive my disputes they didnt.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( i ). The law clearly states that if an item on a credit report cant be verified and its inaccurate it needs to be removed.

All in all the point of the FCRA is make sure consumers rights are not violated and the credit bureaus use an E Oscar system to do disputes which is not what is required from them saying account inaccurate and not doing an investigation and have to send me anything showing how they investigated these accounts. See attachments for the account above show how inaccurate they are and was said to be accurate..

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Upon getting an alert from XXXX XXXX I recently discovered that I have a recent collection reporting on my credit report that are from two different collection agencies but this account is an account that was recently deleted in XXXX of 2018 the former collection agency was XXXX XXXX XXXX for the same original creditor XXXX XXXX XXXX in the amount of {$790.00}. Transition has previously deleted this account, but has allowed two different collection agencies to report the same debt from the same original creditor in the same amount.

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 2022-05-17
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I sent a letter of Debt Validation pursuant to 15 USC 1692g to XXXX XXXX XXXX XXXX XXXX for the alleged debt they are attempting to collect from me as an alleged debt collector for DISCOVER BANK. I already submitted a complaint against DISCOVER BANK for attempting to collect an alleged debt I do not owe as to get a secure card you have to give the money upfront to receive " credit '' back. Also, I am the original creditor, so how can I owe this alleged debt. I paid this alleged debt regardless and now there are XXXX companies trying to collect a debt NOT OWED! They are also furnishing false and deceptive information to my consumer reports which is a violation of my rights! I sent this debt validation letter XX/XX/XXXX in which XXXX XXXX XXXX XXXX XXXX received through certified mail on XX/XX/XXXX. This company has not responded to my request and is still attempting to collect on the alleged debt. They are claiming I owe {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint against PennyMac Services LLC for threatening and harassing tactics, they have been servicing my Mortgage loan for the past two years. On XXXX XXXX, 2016 I received a certified letter stating that if I do not make my XXXX payment and late charges of {$1000.00} they will begin legal action to start foreclosure proceeding. My XXXX payment was received in their office on XXXX XXXX. My mortgage payment is current and due XXXX. I had this mortgage for XXXX XXXX years with XXXX XXXX year left before its paid In full. I called them to see why I am receiving threatening letters. XXXX of the representative said that I need to apply for a loan modification in order to stop foreclosure. I asked her what sense the it make for me to modify my loan when I only have 3 years left with a payoff of $ XXXX. I was told this would be the only way they can work me is to pay off the late charges and to a loan modification. This is a complete violation of UDAAP law. Intimidation and threats to take my home. Again I been living in the premises for 26 years and never had a problem with making any of my payments. The late charges that I have on the loan stems over a period of 20 years. Due to paying after the due date but never 30 days. I would like the CFPB organization to investigate this thoroughly. This has cause me a great deal of stress. As a matter a fact I received a letter on XXXX XXXX saying they will foreclose on my property all because of late charges and trying to pressure me into extended my mortgagg.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I recently had a account with Prestige Financial Services , Inc. I was under the impression I was a co-signer on a car but actually I was the owner. I was trying to help a friend out. Once she started falling behind on the payments I started getting harassed by phone and email also at work. I pleaded with them to pick up the car talked to numerous of managers. She they told me no since she was making payments. But if Im the owner what I say should go. Regardless if she made the payment. I even worked with them to locate her so they can pick it up. Still nothing and this goes back since XX/XX/XXXX. I informed them to please pick the car up since she didnt have a driver license anymore. They still refused too now were in XXXX and I have a charge off on my account. Due to bad debt/natural disaster. That is stopping me from progressing in life. From buying a house, car, business loan etc. If anything I should have a repo not a charge off since they sold the car anyways. I gave them written consent to pick up the car I have plenty of emails stating my case the account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am very upset as I had a lease with Toyota Motor Credit, made all payments on time and the account was always in good standings with my payments. Went to trade in the car and buy a car from Toyota, was told if I owed anything remaining on the lease it would be tacked on to the new loan. I purchased another car from Toyota left again my account is in good standings currently. Months later pulled my credit and now the good paid off account reflects I owe {$450.00} I called and I was told I went over my miles. I was informed I do not owe anything and now things changed. I am lost for words and what horrible business practices. Now I have a collection on the account I made my payments on time. This is NOT FAIR at all! Please help me CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am missing 5 payments from my reliacard and they will send me an email saying money has been loaded on it and it never has been. Its not even in the summary theres nothing

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not received my free credit report and score. have not received no report

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 2020-08-06
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase Date : XX/XX/XXXX Purchase Item : XXXX XXXX XXXX Router Purchase Amount : {$210.00} Router is not secure and showing an inordinate amount of activity. XXXX XXXX XXXX customer service advised that someone had gained access to the router, that they cold not fix, and to speak with someone at the store in which it was purchased. 

The XXXX, MI XXXX XXXX XXXX store, without looking at the router, told me that XXXX XXXX XXXX customer service was wrong and that there was nothing they could. 

Thus, a claim was filed with PayPal as this Master Card was issued by PayPal. 

The following letters to PayPal and emails I have received are attached. 

In addition, because I have an automatic call recorder on my phone, the numerous phone calls I have had with XXXX XXXX XXXX and PayPayl are available. 

These phone calls will help to verify the conversations with XXXX XXXX XXXX mentioned above. They will also verify that I have been told by PayPal that they never attempted to contact XXXX XXXX XXXX and that the questions I answered regarding the email of XX/XX/XXXX were ignored. 

In this case, it appears that PayPal did not adhere to their own policies and procedures.

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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
as previously stated, i am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Progressive Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had multiple applications for credit cards submitted through Bank of America. The first application resulted in a credit card arriving at my house, that I did not apply for. After reporting to the credit bureau 's, I received another notice of another application that was attempted to be opened in my name also with Bank of America. I called the BofA Fraud department and reported both of those applications as fraudulent and requested a copy of the application and account that was opened using my personal information. After providing the woman on the phone with the case reference #, she then read back to my the rest of my personal information ( DOB and last 4 of Social ) and transferred me to another department to deal with the previously opened account. After speaking at length with another woman on the phone, I was told that BofA does not provide those documents. I asked again and said that based on my understanding they were required to, I was again told under no circumstances would BofA be providing me with the documents that I requested and that I had no further recourse to obtain the documents requested. I then asked to speak to a supervisor, and was transferred to a dead air line that I left open for 45 minutes I did speak a gentlemen by the name of XXXX who did put in a request for me after asking some follow up questions.

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 2022-05-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX or XXXX Reference : Wells Fargo Home Mortgage Account # XXXX Complaint # XXXX I am compelled by unfortunate circumstances and much against my will to file this complaint. 
I became a Wells Fargo Home Mortgage, Homeowner, XX/XX/XXXX. 
I refinanced my mortgage with XXXX XXXX in XXXX. 
My principal balance was {$94000.00}. I paid {$94000.00} at closing. I called Wells Fargo to inquire in reference to the {$100.00} dollars per month I paid on the principal for XXXX years until I closed in XXXX. 
I called Wells Fargo several times. I only received one response. I havent received any other notices since XXXX of XXXX. 
I have copies of all tax returns, and monthly statements if needed, according to my accountant Wells Fargo owes me {$10000.00} dollars.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We started a home refinance and revolving credit consolidation with WFHM on XX/XX/XXXX and it did not close until XX/XX/XXXX, We were to have no out of pocket costs other than the home appraisal .Our interest rate was to be XXXX %. We were asked to submit account closure & remaining balance letters for all charge cards. We had originally not wanted to close the accounts because we did not want our credit score to drop. We were informed that if we did not close we could not refinance. Our XXXX day rate lock was set on XX/XX/XXXX and should have been plenty of time to close. Their was confusion with the loan tracker and was n't properly set up for both of us. Because of the confusion with the lone tracker we were unable to both get in to acknowledge our CD 's causing a delay. It took XXXX months to process our loan causing our Rate lock to expire and also our credit report expired. they charged us a rate lock extension fee along with other fee 's We had to resubmit all documents because they took so long in processing the loan. When the credit report was reviewed again our scores had dropped causing our interest rate to go up to XXXX % .The difference between the initial XXXX % that was offered and the XXXX % that we have now is approximately {$13000.00} over the 30 year life of our loan. We felt we were in very good hands dealing with the company that originally held our mortgage. Our confidence quickly faded .It felt as though we were not a priority .We had let those working on or loan know of our dissatisfaction.

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 monetary relief
Consumer complaint received 2017-03-27
Company: Paypal Holdings, Inc
State: OH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I ordered an XXXX Watch online from an online from pay pal and I was supposed to get my watch on XX/XX/2017 and have n't heard anything since I made athe XXXX Note to XXXX You have n't sent a note. 
Shipping address - confirmed XXXX XXXX XXXX, OH XXXX United States Total {$99.00} USD Charge will appear on your credit card statement as PAYPAL XXXX Payment sent to XXXX Receipt Sender XXXX XXXX Recipient XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2017 Note : Currently, there are limits to how much the recipient can send, spend or withdraw. To access the full amount on this date, the recipient can link a bank or card. 
Description Amount Payment amount ( in currency funded ) : {$99.00} USD Your total charge : {$99.00} USD Payment amount : {$99.00} USD XXXX fees : {$4.00} USD XXXX will receive : {$95.00} USD Need to cancel? 
You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you ma

Company response to consumer: Closed with non-monetary relief