BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from Portfolio Recovery Associates, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under Portfolio Recovery Associates has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both Portfolio Recovery Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against Portfolio Recovery Associates and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Shellpoint Partners, LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. Our mortgage payment was made in a timely manner via NewRez.com online payment portal at XXXXXXXX XXXX eastern time zone on XX/XX/2022 in the amount of {$1100.00}, but due to the natural disaster Hurricane Ian some communication facilities were not available to us as we were in XXXX Florida assisting with disaster response ( Internet & cell reception ). We called the next day confirm payment, NewRez said payment was received but marked it late. We believe this is in error. 
XXXX. We believe this error creates civil liability for NewRez LLC dba ShellPoint Mortgage Servicing under Title 15 USC 1681o, Title 15 USC 1681n ( B ) ( 2 ) ( a ), and USC 1693 ( h ) ( b ) ( 2 ) and 1693 ( h ) ( c ) due to inaccurate credit reporting to credit bureaus. 
XXXX. XXXX XXXX XXXX XXXX is requesting documentation of all banking documents/ agreements/ contracts/ financial instruments any other communications either written, typed, emailed, recorded or otherwise associated with loan # XXXX originated on XXXX and the estate seeks validation of this debt pursuant to 15 USC 1692 ( b ) 4. On XX/XX/2022 XXXX XXXX XXXX, was appointed ATTORNEY GENERAL in fact over the entity known as " XXXX XXXX XXXX '' ESTATE and revoked all previous powers of attorney, and disaffirms any and all contracts and/or powers of attorney previously entered during infancy. ( See attached document ) 5. NewRez LLC dba ShellPoint Mortgage DOES NOT have permission to use the trademark XXXX XXXX XXXX to conduct ANY business transaction or send data via mail, electronically, telephonically or by any other means to any 3rd party until further notice. ( SEE ATTACHED FEE SCHEDULE & TRADEMARK ) 6. NewRez LLC dba ShellPoint Mortgage Mortgage DOES NOT have permission to use the social security number attached to the entity XXXX XXXX XXXX XXXX XXXX XXXX ANY business transaction or send data via mail, electronically, telephonically or by any other means to any XXXX parties until further notice. ( SEE ATTACHED FEE SCHEDULE & TRADEMARK ) We would like a swift resolution on this matter by XXXX, XXXX  Please send all requested documents to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI 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 2015-09-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Claim to be XXXX and XXXX, but will NOT give me an address to send a letter requesting proof of debt. Called at XXXX in the morning on XXXX occasions, have claimed to be a legal office, an investigator, etc. Have threatened to garnish my wages, and when I told them they ca n't do that without taking me to court and proving the validity of the debt, they wo n't give me any more information. I 've received nothing in writing AT ALL. They have told me to go home and wait for my summons, but wo n't give me any more information. Illegal on soooooo many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
i called american express about some scam companies i paid for an at home business.they would only open up a few disputes for me .it really bothered me because services were not rendered.i know they can go back further than 60 days.the first charge happened on XX/XX/XXXX.for XXXXthe merchant was ie plexus.then i paid XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX how could they only help me with the last XXXX. american express declined to help me with the others.other people have told me amex has gone as far back as 2 years.ifeel i am being but off as a consumer.speaking about this in the same phone call they opened disputes for me all the way to XX/XX/XXXX.what am i supposed to think? on the third one the merchant was XXXX.they charged me XXXX on XX/XX/XXXX and they would not open it up.how can they open XXXX and not the other. the rules must be the same.i talked to a rep called XXXX who did not seem to responsive to my situation.amex is not treating me fairly .these companies have broken several laws, telemarketing and federal, yet there allowed to have a merchant account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Taurus Law Group, P.C.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from XXXX to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to XXXX, but never received a final statement from XXXX. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to XXXX that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from XXXX. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both XXXX and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but XXXX refuses to honor their side, and I need assistance with getting XXXX to get them to honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Charges : {$270.00} and {$350.00} This dental office is incorrectly charging me for services not provided. My son had dental work done but ended up not needing anesthesia, however, the office never corrected the charges and has resulted in these bills being sent to collection. I've spoken with the office numerous times but the billing never got corrected.

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 2021-03-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
Citi cancelled my card because i 'm not using it, and Citi now requires me to call them to get my awards, but they wo n't answer their 24/7 number for retrieving awards. I had stopped using their card because it was useless. I have been a cardholder for more than a decade. My account was fully paid. They appear to want to deny me the ability to claim my awards. Can you help? 

I sent them an e-mail saying that I would report them in 24 hours, but since they claim to be 24/7 and I have n't heard from them, it made sense to go ahead and let you know.

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 2015-12-14
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Aargon Collection Agency ( ACA ), is an unlicensed ( per state of The State of Georgia XXXX ) debt collector who has illegally accessed my credit report without my express consent, authorized signature or by court order. They have attempted to collect a debt without stating the amount, used unfair unconscionable means to collect or attempt to collect the alleged debt, used false representation or deceptive means to collect a debt or obtain information about a consumer. Please assist me with this debt collector with unscrupulous behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-10
Company: CURO Intermediate Holdings
State: OR
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Rapid cash I did n't have money when the check came through, called and made a payment plan, the stupid company did n't cancel the check once I made my payment plan ; on that schedule day to make my arrangements payment, they stole my XXXX that we agreed that I would make arrangements on and they took the XXXX $ that I agreed to cause I bounce my check. called to try to get them to give my money back. It will get credit back when the check that did n't clear post well it posted and the XXXX $ posted and all this happen XX/XX/2017 and it 's the XX/XX/2017 and I still do n't have my money .. 
I hope the consequences of them breaching a contract is just as harsh as if I decided to steal the money the way they did

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
SPECIALIZED LOAN SERVI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

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 2021-03-21
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received a letter from Mr. Cooper stating that " our records show that your hazard insurance expired '' and " we plan to buy insurance for your property ''. I had paid the insurance premium ( due XXXX XX/XX/2021 ) on XXXX XX/XX/2021 and the policy has been in force continuously with the same carrier ( XXXX XXXX XXXX ) since I bought the property 10 years ago. I have uploaded proof of payment for the insurance along with the declaration page. Mr Cooper recently took over the servicing of this loan from XXXX XXXX XXXX ( who are on the mortgage clause on the policy ) at about the same time that the policy renewed so I suspect this caused confusion at Mr Cooper. That does not give them the right the threaten me with forced placed insurance as I have done everything that I was supposed to. I attempted to upload the proof of payment and declaration page to www.mycoverageinfo.com/mrcooper multiple times as requested in their letter but the website issues an " unexpected error '' - see attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A few years ago I had loss my job and I was unable to pay my loan. Navy Federal allowed me to defer XXXX payments, but did not disclose that by deferring the payment changed the terms of the loan making it a balloon payment at the end. I also did not get any disclosures about the per diem charges on late payments on top of the late fee. This is predatory lending by them failing to disclose the information in a timely matter ( before I decided to get the loan with them or defer the payment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me? 
Thank you. Please : this is not a " Duplicate '' request. 
Numerous offers have been made to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check. 

Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done. 

I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2021-03-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got an email from paypal i can no longer used their service for no reason. I know this is a mistake they always hold also my money everytime i received from my clients. They are not doing their job very well with their customer. They wanted me to wait for 180 days and give instruction how to get my remaining balance. That's not fair. They need to improved their system. My email link to paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a Wells Fargo Bank credit card for about XXXX years. I was reviewing my charges, when I notice a protection charge in case of unemployment. I call Wells Fargo Bank customer service for a explanation. The customer service indicate to me that they could not help me that I had to call the protection company. Furthermore, I receive a letter about XXXX week later canceling the program and refunding XXXX for 8 months and that I had agree to the product, but did not show me prove that I authorize or apply for the product. However, I have been paying for the product for 15 years. I had XXXX for XXXX in XX/XX/2015 and wells fargo bank never indicating to me that I had that option available 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 explanation
Consumer complaint received 2016-02-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with XXXX XXXX. I purchased a text book for about {$150.00}. XXXX XXXX ended up buying out XXXX XXXX and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through XXXX XXXX. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.

Company response to consumer: Closed with non-monetary relief