BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
EASTERN ACCOUNT SYSTEM Account # XXXX have a a unverified account from EASTERN ACCOUNT SYSTEM. I had previously disputed this account this account. I have never done business with EASTERN ACCOUNT SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EASTERN ACCOUNT SYSTEM purport I owe. I request thatEASTERN ACCOUNT SYSTEM Provide verification of the following : XXXX. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EASTERN ACCOUNT SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # 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 2016-05-22
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AllianceOne is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever signed ANY document, agreement, or application with them for ANY service, or contract. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian credit services are manipulating my score incorrectly and do not have a correct scoring method. I opened a card through them, that there website recommended to build credit and it they took off over 70 points just for that. Over the coarse of 5 or 6 months of good standing i got my score up half of what it dropped. They just dropped another 16 pts today saying that my credit usage went to high which its not because i paid the entire card balance the same day i used it. I pay all my cards before there due and they recently rejected my successful payment for no explainable reason which gave me a late payment, They have mishandled my account and my score is now worse then what it was before i started using them. They do not have a number i can call to talk to an actual human and lead you on over the voice service to just hang up. They keep my score down so they can charge higher interest rates and make more money off me. This needs to stop!

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 2022-01-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware of a collection debt via XXXX XXXX XXXX XXXX from Procollect Inc for {$300.00} from XXXX XXXX XXXX. Debt sent to collections that was not mine. Identity Stolen and reported on XX/XX/21. Person had applied for multiple apartment leases in the area.

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 2015-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax and XXXX failed to notified me regarding notice of disputed of reinvestigation as well some accounts has been removed from one Agency and let reported on the other. I demand this items to be deleted permanently. All this accounts on the report marks as derogartoy where not notified per FCRA require reporting agency to give notice of reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: FL
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:
The following inquiry is being reported inaccurately on my Experian credit report. 

XXXX appears on my Experian credit report inaccurately and can not be validated. A violation of federal law. 

XXXX is being reported without any permissible cause, no credit or loan was awarded but is still being reported as accurate. This is a violation of FCRA rules section 1681.

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 2016-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
" Certified Verification '' as required under FCRA Section 609 and Section 611 required to promptly ( at once ) DELETE all information which can not be verified and or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are two issues I am concerned about. First, the credit report I received by mail includes the following : " Personal statements you've asked us to include : You've given us the following statement to include every time a company asks us for your credit report : 'FILE FROZEN DUE TO FEDERAL LEGISLATION. ' '' This is untrue. In fact, I requested that the credit freeze I initiated be lifted. Experian agreed to do that. 
Second, I can not log into my account because Experian has no record of my name and social security number.

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 2016-08-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, We will file XXXX complaints, this one is to Paypal, and a XXXX one will go to XXXX XXXX. 

A friend of mine just lost her husband on XXXX/XXXX/2016, and then she and her young daughters ( XXXX ) was ready to sell the piano in the house for financial purpose. They put the ad on line and someone ( named XXXX XXXX ) called in and agreed on buying the piano per asked price. The next day, an email in the title of Paypal, with Paypal logo and email address, came to my friend saying a secured payment has been made but will be on hold until payment of {$600.00} to be paid to the transport company thru XXXX XXXX. My friend sent the money by going to the nearest XXXX counter, and then another email in Paypal title came in saying the transaction is moving forward, but will need to pay government tax in the mount of {$520.00}. My friend felt very odd and get in touch with both Paypal and XXXX XXXX by calling in, and was told this must be an online fraudulence, and the money has been taken leaving the customers of these XXXX companies unprotected. They can not do anything but just gave out a case number. In this case, both Paypal and XXXX XXXX have been used by the criminals, and their creditability and reputation are stained. Paypal and XXXX XXXX must do something to patch the holes in their business model to keep their customers from further losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Virtually the exact same problem as the post from XXXX 2016 from a different person. " XXXX XXXX XXXX, XXXX a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, XXXX has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. XXXX 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and XXXX XXXX XXXX, XXXX for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and XXXX knows that which is how they get away with their. They need to be STOPPED! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Gordon, Aylworth & Tami, P.C.
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, applied a line item to my already discharged bankruptcy for {$14000.00} in fees for himself. The bankruptcy was discharged in XXXX, XXXX. XXXX XXXX XXXX did n't even acquire the mortgage previously held by XXXX until XX/XX/XXXX. The amount for attorney fees was applied in XXXX or later. There is no date on the entry. On the bankruptcy documents, the attorney 's name is spelled wrong, as XXXX, but the word County is also spelled wrong. The address in XXXX, OR is where XXXX XXXX practices. I only discovered this addition to the bankruptcy records after a short sale failed in XX/XX/XXXX. This house was supposed to be foreclosed on in XX/XX/XXXX. I do n't know what the attorney fees are for, only that he was working for XXXX XXXX XXXX. There are similar, related complaints filed against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2021, the PSLF waiver was announced and I immediately began to read over the changes and take the steps needed for the waiver to help my situation. In XXXX, the waiver only mentioned to consolidate non Direct loans. I have XXXX Direct loans that I did not consolidate with my XXXX non Direct loans since the waiver was very clear about this. The consolidation occurred in early XX/XX/2021 and within XXXX weeks the newly consolidated non Direct loans were forgiven under the waiver but I was left with the XXXX Direct loans. The updated information came out for the waiver after the forgiveness of the newly consolidated loans to consolidate ALL loans, Direct included, and the waiver would count the highest number of loan payments. In my situation, this information was not given in a timely manner for me to consolidate all my loans together. As a result, I am now left with XXXX Direct loans that would have been forgiven if correct information had been given in a timely manner to consolidate everything together. I am grateful of the loans that have been forgiven but it is so disheartening for inaccurate information to be given and not allow the individuals that took advantage of the waiver early on to get counts and an immediate forgiveness that would have otherwise counted if the information had been given in a timely manner. I have been paying the loans and working in public service now for 13 years which is well over the XXXX payments needed but due to more red tape and misinformation, I am still left with the loans wondering when this will eventually end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Wakefield associates just put this as a case from XX/XX/XXXX which is a LIE, I took My son to an emergency room and he had insurance I told them I didn't have insurance and didnt want to be seen, they tried to scam but that was in XX/XX/XXXX NOT NOW, another agency tried to charge {$140.00} and got shut down these freaks are trying to say I owe {$630.00}, I am a single mother TIRED of getting XXXX over by these frauds I cant get approved now to buy a property and I need somewhere to live with my sn. I am renting a room in someones house because my credit is so bad

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 2017-06-07
Company: Premier Portfolio Group
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this company, Portfolio Group, at XXXX calls me repeatedly with different numbers claiming I owe a debt for a bad check from 2010. I have asked for them to provide proof of debt via US mail and they respond that they will be sending a process server to my workplace and will notify my boss and serve me and sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Three years ago the Lowe 's representative tricked me into getting a Lowe 's card to cover the cost of the project ( ductless AC installation ). I never signed a contract to have the work done. I received a Lowe 's XXXX XXXX with the limit of {$14000.00} three years ago that I've never activated or used. I've never received any disclosures or statements on this account, except for the actual card. Two months ago, my credit scored went down 20 points. XXXX XXXX showed that my Lowe 's card limit was changed to {$1500.00} as the cause for lowering my score. I wasn't provided an Adverse Action NOtice! I was in the process of applying for a refinancing on my primary home. This dip in my score caused that I was denied a loan!!!! Since I've never received any statements or notifications from Lowe 's card company - I don't have anybody to contact! I demand that the Lowe 's credit company 's actions are deemed illegal and my credit report 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 2016-09-07
Company: Rent Recovery Solutions
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:
I contacted rent recovery about a debt on my credit report I requested the proof they emailed documents with different date for the application the lease as well as someone else personal info it shows month to month fee among others fees. And a signature that supposedly mine with no date when it was sign no signature from the other person name on the lease are the landlord signature this document 's are date agreement was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Angel Oak Home Loans LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Respected Sir/Madam, I have started refinancing 2 loans that I had on commercial properties in XXXX in XXXX this year. I started the loan process with Angel Oak Home Loans. The agent involved was XXXX XXXX ( NMLS # XXXX # XXXX ). Offered an interest rate of 3.325 and quick closing. Each of the properties are currently valued at {$360000.00} each and are carrying a loan amount of {$280000.00} each. They initially offered to close the loan with costs around {$9000.00} each. They made me pay {$2100.00} in appraisal costs out of pocket. The appraisals ( through a company that angel oak recommended appraisaltek ) were never sent to me. In XXXX ( after much persuasion and reaching out to management ) I received new disclosures which increase closing costs to {$20000.00}. They had also changed the interest rate on the loans to 3.465 %. They stated the changes were because the appraisals had come in lower than they had anticipated. I know for a fact that my properties would not appraise lower as I had tried to sell them earlier this year and they were appraised between XXXX. By then I had sent them my bank statements, visa documents and personal information ( including an IRS tax statement ). They knew my account did not carry the amount required to close with the spike in the costs. There was no communication from the team unless I repeatedly called them. Finally they send me communication ( via text on XXXX third ) casually asking if I can still afford the loan. In XXXX as i was trying to file this complaint they removed all the paper work that was sent to me on the portal. 

This process was very stressful. Half the times I was not even sure if my loan was being processed. All I had asked for was to let me know if they could close it or not. But they delayed it by 3 months. I had spent {$2100.00}. I feel like I was discriminated and treated unfairly. If they had not intended to close them the least they could do was to let me know earlier, rather than lead me along. 
I want this company to be investigated. To make sure they are not doing this with other customers. I would in the least want my appraisal amount that i paid out of pocket to be compensated. 
Kindly look into the issues. 
Sincerely, XXXX, XXXX. 
( Email : XXXX ; Ph # : XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I currently have a second mortgage on my home that I have lived in for 17 years. XXXX PNC bank as far as I know still has my second mortgage that I currently pay on. 
I never receive any documentation from these people, no statements, I have no idea what I owe etc ... or if I 'm even in good standing. About a year ago I was going to refinance and noticed that they appeared on my credit report under bankruptcy, I called and left several message received no phone call back. I did not send in payment for a couple months in hopes this would prompt someone to call me back, instead they put me in pre forclosure over XXXX dollars which I then paid in full, since then not one source of documentation or communication. now I am going to attempt to refinance and they do n't even appear on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: PNC Bank N.A.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i currently have a loan which is a second mortgage loan from pnc bank and the interest rate is 8.5 % was opened in 2007 and about a year ago or XXXX ago I contacted them to refinance and lower my interest rate so i can get a lower montly payment they refuse me as my credit was not good. I tried again same and now I am behind with my payment for 6 months totalling XXXX, XXXX and they want to foreclosure on my home I cantact them again for a loan modification and they never sent me the paper work so i contact alliance which was unable to help me so they give me the link to pnc bank for loan modification I send them the application they did not answer me I think this bank just want to do foreclosure instead of helping me out with the rate which is 8.5 % most loans in these days is 4 % kindly look into this and let me know what to do

Company response to consumer: Closed with explanation