BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: Capital Accounts, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

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 with explanation
Consumer complaint received 2017-05-03
Company: Blakely-Witt and Associates, 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:
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the  XXXX  day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to XXXX to get money orders and without my knowledge US Bank puts a {$300.00}. limit so I can not use it. 
I run to the branch and get a cashier 's check. I am not informed of the different rules. 
My cashier 's check is lost and they refuse to stop it. 
I WOULD NOT HAVE DONE CASHIER 'S CHECK AND THEY GET {$7.00}. TOO BUT THE CASHIER 'S CHECK IS MUCH MORE. ALSO US BANK PLACED A LIMIT THAT I DID NOT AUTHORIZE OR WAS INFORMED OF.

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 2017-05-03
Company: CMRE Financial Services, 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:
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.

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 2016-08-18
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Business account w/PNC on XXXX/XXXX/2016 with a {$10.00} cash deposit. On XXXX/XXXX/2016, I deposited {$60.00} cash, giving me a total of {$70.00} account balance. On XXXX/XXXX/2016, after reviewing my online banking site, I saw no deposit for XXXX/XXXX/2016. I called business banking customer service & was told my account was in the process of being closed by PNC. There has been NO communication from PNC whatsoever to tell me why. I have initiated all communication with the bank, the branch & customer service. On XXXX/XXXX/2016, I again call business customer service to see what status my account is in, again I 'm told it 's in the process of being closed. I was told I could go to the branch & get my {$70.00}. I go to the branch was told that because the account was on hold & that a check was in the process of being cut, they could not give me my {$70.00}. XXXX XXXX, whom opened this account, called yesterday @ XXXX to tell me she would get answers to what 's going on w/my account. It 's now XXXX on XXXX/XXXX/2016, I 've still heard NOTHING from PNC whatsoever. I 've again left messages ( at least XXXX & XXXX emails ) w/the branch & with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX 2015 I executed the permanent Home Affordable Modification agreement mailed to me by Provident Funding, by signing XXXX copies of the XXXX page document in front of a notary public. The modification agreement was prepared by XXXX XXXX. I then returned the notarized Modification Agreement back Provident Funding for their signature and recordingOnce the document was fully executed Provident funding was to record the Home Affordable Modification Agreement at the XXXX XXXX County Registrar Recorder. 
On XXXX XXXX, 2015 Provident Funding finally recorded the Home Affordable Modification Agreement after I filled complaint # XXXX with the Consumer Financial Protection Bureau. 
It has recently come to my attention that Provident Funding altered the signed notarized Modification Agreement that I mailed back to them on XXXX XXXX, 2015, before recording it, by inserting typewritten text on page XXXX and adding XXXX extra pages at the end of the document. 
I have attached the original notarized document that I executed, as well as the forged document that Provident deliberately altered and recorded. I have also highlighted the insertions and additions. 

I would also like to point out that that Provident Funding provided me a copy of the executed agreement that did not include the alterations. 
I was only made aware of the incident, because I retrieved a copy of the recorded document directly from the XXXX XXXX County Registrar Recorder 's office. 

I believe that Provident Funding 's actions are illegal, and constitute fraud which I why I am seeking your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: GA
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 have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with equifax,  XXXX , and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to complain about the practices of PNC Bank relating to a mortgage loan and the ability to resolve a deficiency. Due to the financial crash of 2008, my home value has suffered a loss of approximately {$300000.00}. I have been trying to sell the house for five years with no offers that meet the amount owed. I requested a modification and after the modification was approved the monthly payments were actually higher than the original mortgage. I maintained the payments through the trial period after which time PNC stated we could sell the house through short sale if necessary. We found a buyer, however PNC wanted more than was owed and declined the offer. The loan went into deficiency again and we eventually found another buyer who made an offer and PNC was informed of the offer and began the process for short sale. While in the process of short sale PNC submitted the loan for modification status without our request, knowledge or approval ( it was the same as the current payment with no modification ) and removed it from short sale status, resulting in a delay of the short sale approval process and then turned around and put it into the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a contract with XXXX. I left XXXX and owed them a balance of {$650.00}. They turned it over to XXXX for collections. I agreed to settle this debt for {$500.00} due on XXXX XXXX 2016 which I paid in full and even have a letter stating that. Now I am receiving calls and letter because XXXX turned in the remaining {$150.00} into another collection agency. XXXX also called me and harassed me and said I owed money. Like I said I have a letter stating the account was settled. I do n't appreciate the harassing calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions I have asked Diversified Consultants to end all telephone communication because it is harassing and during the course of the day when I at my place of work. I also instructed them to have all communication ( s ) pertaining to the matter sent to the address they have on-hand via USPS. To day I received yet another call at XXXX and advised the young lady once more to cease and desist all phone contact. I need to FTC to contact this collection agency and inform them that they are violating my rights and my request to cease all phone communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has not paid my property taxes for the 2016 year. I am almost 2 months delinquent for this issue. I have made multiple attempts to find an answer on why my property taxes have not been paid by speaking to their tax and customer service departments. Both departments have no idea on why and are giving me the run around. I was told I would get a phone call back to update me on the status 2 weeks later I am still waiting for the phone call. I do not want to pay the penalties incurred for the late payments.

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 with explanation
Consumer complaint received 2015-10-15
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
To ; whom it may concern The loan depot never mentioned that the Appraiser that came to my home never measured my home, and was in and out of my home in less than 10 minutes. If you pull there call log, and talks done daily you would find out that these people have made promisses, and lied to me about not just what they said about the {$200.00} that they promissed me back after everything was completed, but also that I had a check on it 's way for the amount of {$3600.00} ; And the loan was APPROVED!!! Just them firing my loan officer XXXX XXXX made them look even more suspicious, and there Attorney calling my home late at night to discuss the situation. This firing probably ruined his home and family. He did not deserve this. The president also contacted me telling me that XXXX XXXX was trying to take over the Company. They put me through a living XXXX! Since XX/XX/2015 till present. I did everything from spending my money for gas, copies, stamps, and time that caused me XXXX, XXXX, anxiety. I really thought this company was on the level with me, and they were not for my best interest my being a XXXX Retired XXXX Veteran. There call backs was sporatic to say the least. And the attitudes I got from XXXX XXXX or XXXX. They fired a very good man, and very honest to say the least. Named XXXX XXXX for being honest about his piers and their practices lying about them putting me on a 30 fixed from my present 3.99 % to 3.75 % ; then all of a sudden they decided to give me a fixed for 3.85 %. He also mentioned about other veterans not getting there fair share when it comes to mortgage loans, etc, etc. Thank you XXXX & XXXX XXXX XXXX XXXX Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The lender quoted me the estimated settlement or " closing costs '' and their " credit '' that they would apply to those costs, and sent me a Good Faith Estimate. They quoted an interest rate of 3.875 and credits of {$2100.00}. They did tell me that until my Home Equity Line of Credit lender signed their Subordination Agreement, that they could not lock in the interest rate that they quoted me. They said nothing, however, about doing away with or changing the credits against the closing costs. I checked the document that I signed and see no language about the credits against the closing costs being subject to change. Here is the language : and agreed to on XXXX that the rates and PF credit could change also indicated in the subordination agreement you acknowledged before getting started. " Once the Subordination Agreement is received and approved by Provident Funding, I can lock an interest rate, subject to current market rates and pricing ''. Nothing is stated about the closing cost credits being subject to change. First off, I see no reason for the lender being unwilling to lock in the rate while waiting for the Subordination Agreement, and making the rates conditional upon the receipt of that Agreement, but they were unwilling to do that. I was unaware, however, that the credits against the settlement charges were subject to change as well -- that seems unfair to the consumer. Here 's why -- if the credits go away or are substantially changed when the lender is finally willing to lock in the rates, the borrower is stuck with the out of pocket expense of the Appraisal -- which in my case was {$470.00}. That 's a lot of money to the average consumer! So now, if I 'm not happy with the new " bait and switch '' rates and credits that the company is now quoting, I have no choice but to be stuck with the out of pocket expense of {$470.00} -- which I have been informed by several mortgage lenders is not transferrable to another lender! I have to pay that money all over again. They have me backed up against the wall and seem to be able to quote anything they want at this point! How is this legal and fair?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: GA
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 have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX  ,  XXXX , and experian!!!!! I keep getting the run around and Im tired .... there is like a  XXXX  address/ names etc that I want updated also. Please HELP!!!

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 2021-12-21
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing Midland Credit Management in XXXX, Utah saying I owed {$500.00} for my XXXX credit card account but Ive never recieved any kind of notification from MIDLAND CREDIT MANAGEMENT credit caard balance was only {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
A basic payday loan from Advance America have done it several times before. This time around the XXXX of the month I receied an over draft notice from my bank. ( {$300.00} ) causing several checks to bounce. Normally I go into their office and pay what I owe. Due on the XXXX of the month. So deep into the month I thought no more about owing them. When his happened it caused chaos ; I sent a fax message to this manager advising what had happened. I heard nothing more from them. Except a credit from them for {$300.00} appeared in my account. When I took out this loan we discussed the payment date. Which was the XXXX of the month. On XXXX XXXX there was a withdrawal from Advance America which caused problems for me. On the XXXX when they attempted to withdrwal the funds there was a Retry note stated on my bank account. My fax asked what did that mean. Never got a response. I 've told them I expect my fees to be paid. For there was no reasom for their actions. They had a check they used to cash it on the XXXX. I have no idea what Retry was about. I am nt disputing any debt that may have been owed, Frankly I do n't quite remember. But what they did was fraudulent. I 've been their customer for 3 years. This time their XXXX female manager had issues about my pay day date. We settled on the XXXX. But their withdrawal occurred on the XXXX Part of our discussion was if the XXXX Loan was a 30 day loan? My loan was under 30 days taken out! Please be advised that I am deaf. The easiest way to communicate with me is by email, text or USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX   -2015   {$120.00}   XXXX   XXXX   Is an account that is not mines.

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 2015-09-29
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Diversified Consultant continues to try to collect a fraudulent debt that is n't mine and is a result from identity theft. They have not sent me any documents as requested as directed from the Federal Trade Commissions ID Theft. I have sent to them Certified Mail and they received it, a copy of my Identity Theft police report, letter, FTC Identity theft affidavit and explained to them how I learned I am a victim of identity theft. They are maliciously still attempting to collect and giving me great grief to myself and family. This debt is not mine. I did not receive any goods or services and Diversified Consultant is not acknowledging that I am a victim of identity theft and the debt is not mine. They are also reporting this fraudulent debt to the credit bureaus and when I dispute it they continue to verify it. If they would have researched, they would have found the debt is from identity theft. They are violating my FDCPA and FCRA rights.

Company response to consumer: Closed with explanation