BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : I am writing to formally request escalated assistance with my file. I do n't believe anyone thus far at SPS has properly handled my file. I became XXXX in XXXX as I was in an accident XXXX. I entrusted my brother to make my mortgage payments for me with my fixed income and he did not do that ; instead pocketed my money. If I had n't been XXXX, I would have never become behind at all. 

Seconly, I am disputing the erroneous information contained in SPS ' most recent denial letter dated XXXX/XXXX/XXXX, stating my property value is currently {$430000.00}. My property is nowhere near worth that amount and I have attached my own appraisal showing the true value of {$310000.00}, which I paid for from my own funds because I believe so highly that SPS is using an extremely inflated property valuation. I would truly appreciate it if somebody could formally re-review my package using the correct value of {$310000.00}. It should also be noted that I had sent this appraisal with my resubmission packet back in XXXX XXXX, but it seems that it was disregarded by SPS completely. I XXXX have spent money on this that I am trying to save for my mortgage if I get approved. It was hard for me to do so I would appreciate it being correctly reviewed. Please let my advocate team consisting of XXXX XXXX and/or XXXX XXXX at XXXX XXXX know if you need any further information. SPS has this information on file already, but just in case, I am again attaching my written authorization to speak with them regarding this matter. I am XXXX and it is sometimes hard for me to get out to a fax to send documents that they may already have on hand. Thank you for your attention to this matter. 
Sincerely, XXXX 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 2017-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My corporate account as majority owner was closed by a bookkeeper withdrew approx  XXXX  from   XXXX   XXXX     XXXX  NY put stop payments on multitude of checks and rewrote them after depositing $ $ into a new account in  XXXX  MA BOA without my name and under a fictitious EIN from another state. Later personal accounts at BOA were attacked with my addresses being changed so as I would not receive statements. And my name removed as signer on a personal joint checking. My identity completely stolen. Will never be regained. Further on my corporate CC was separated from the pack and  BOA  discharged my balance off to my personal. This is a second attempt as  BOA  should have an open investigation but nothing heard. More than likely it went in the trash.  BOA   XXXX  is a corrupt institution like I 've never seen before.

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 2022-11-21
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/18 I called american express to get new card. They had a deal so I got one I had a old american express card which I had for 14 Years. Guy on phone Specifically told me if I close the old one that it wouldn't effect my Credit score because the new one would be the same account number. I asked 3 separate times I told him I was a member for 14 years and wanted to make sure that it stayed that way. He said Specifically that the account stays the same only difference was new card number. Said I wouldn't be affected and now more score dropped XXXX Points do to misinformation. They have it recorded and are opening a internal investigation. Issue is as a consumer I now have a tanked XXXX XXXX due to mis information by there Customer service team. The told me I can try to get reinstated, but im past the 30 days and they want to rerun a hard inquiry and can't guarntee that they reinstate. This is a HUGE problem and credit fraud on there end I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CONTACTED A 3RD PARTY COLLECTION AGENCY RECOVERY ACCOUNT # XXXX AND INFORMED THEM THIS WAS NOT MY ACCOUNT. INFORMED THEM THIS WAS MY EXWIFES ACCOUNT AND THEY REFUSE TO REMOVE THIS FROM MY CREDIT FILE. MY EX WIFE XXXX XXXX FILED A BK XXXX XXXX/XXXX/XXXX AND THIS ACCOUNT/ CREDITOR HAS BEEN INCLUDED IN HER PETITION AS A CREDITOR. MY EX SPOUSE XXXX XXXX HAS ACKNOWLEDGED THIS IS HER ACCOUNT AND THIS 3RD PARTY COMPANY CONTINUES TO HARRASS ME AND DAMAGE MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTION COMPANY MCSI INC XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX is reflecting a collection attempt for this violation. I disagree with the cities finding and demand that this collection company remove their attempt off my personal credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: PA
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:
This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and 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 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and 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 2015-06-17
Company: Van Ru Credit Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collectors of what sounds to be 'XXXX ' continuously call my phone number for a XXXX XXXX , I am XXXX, with a personal phone, they 've called me numerous times, and have put me on the no call list XXXX times, for 3 years, after a year they keep calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: MNS & Associates LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been getting phone calls from the number XXXX for over XXXX years now. I have told them atleast XXXX times that there is nobody by that name on my number, but they still keep calling me asking for that same person. Its a different voice or person each time I have attended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am trying to close my debit card account and Bank of America will not close it. 
I received a letter from BofA dated XX/XX/2022 stating the agreement terms and fees had changed. It says " if the Agreement and the Fee Disclosure are not acceptable to you, you must call or write us within 21 days after the date of this letter and request that you close the account. '' I called BofA on XX/XX/XXXX to close the account and was told they would not close the account. I asked to a speak to a supervisor and they also told me they would not close the account. I read the letter to them to confirmed it was a valid legal letter from BofA and they confirmed it was. They said they could add my name to a list to send to another manager to see if anything could be done, but not to expect anything until after the holidays. 
This feels like fraud to not let someone close an account and force them to new terms after sending a letter saying they can close the account. 
Additional info : This debit card account is associated with the XXXX XXXXXXXX and was originally opened over 10 years ago when I was had unemployment benefits. There has been a XXXX balance for years and I do not use card at all. XXXX says I need to contact the bank, and BofA says I need to contact XXXX.

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 2022-11-21
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability.

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 
I have not placed requests for credit with the below organizations and have no active trade lines with them.

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 2015-08-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
First message was left on my mother 's phone. When she returned call they provided her information about debt. Next I was called by a private number posing as a process server and said could not disclose nature of information needed to contact collector. At XXXX to gain any further information informatipnusing ref # XXXX. This phone number belonged to XXXX who sent me a letter via email. This debt was said to be {$490.00} from checksmart XXXX XXXX. I believe the debt collector falsely posed as a process server

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery A at XXXX XXXX XXXX XXXX VA XXXX has been mailing me collection letters via mail about a {$690.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert on my Equifax credit report. I want Equifax to immediately delete and remove the fraud alert from my credit report. Furthermore, I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, the following phone number isnt my phone number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Self Financial Inc.
State: OH
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 Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : ( XXXX XXXX XXXX  ) Account # XXXX, hasviolated 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 an 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of XXXX, my student loan was transferred from XXXX XXXX XXXX and Resources ( XXXX ) to EdFinancial. Since the student loan pause went into effect on XX/XX/XXXX, I made payments totaling {$5400.00} to XXXX. After the loan was transferred I made payments totaling {$590.00} to EdFinancial. On XX/XX/XXXX I called EdFinancial and requested a refund on all payments I made during the student loan pause. I specified to the representative that I wanted a refund on the payments I made to edFinancial and XXXX. I was assured that I would receive a refund for all payments made since the pause. On XX/XX/XXXX, I received XXXX XXXX XXXX XXXX checks totaling {$590.00}, reflecting every payment I made while my loan was serviced by EdFinancial. My student loan balance on the EdFinancial website and XXXX was updated to reflect this. On XX/XX/XXXX I called EdFinancial to ask about the refund for the payments made to XXXX. I spoke on the phone with XXXX and she said she would put in a refund request specifically for the payments made to XXXX. It was unclear if a refund request for the XXXX payments had or had not been made when I initially called on XX/XX/XXXX. XXXX could not give me a timeline on when I would receive the refund on the XXXX payments. As of now ( XX/XX/XXXX ) I have not received any refund and my student loan balance has not been updated. On XX/XX/XXXX I submitted an application for student loan debt relief. I received an email today ( XX/XX/XXXX ) that my student loan forgiveness application has been approved and sent to my loan servicer. But again, my student loan balance has not been updated to include the {$5400.00} of payments made to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
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:
Letter was mailed in response to Debt Collector 's demand ; on XXXX XXXX 2015. The letter denied owing the money demanded. 
The collector has failed to verify the debt, yet since the date of my response to his initial demand ; he has attempted to subpoena my bank records ; collector has illegally obtained my social security number, and is now seeking to garnish my salary. This is all being done on a debt which the collector has failed to verify.

Company response to consumer: Closed
Consumer complaint received 2016-12-16
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
The following company : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Radius Global Solutions LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call-in XX/XX/XXXX. Waited for a collection notice letter never received one. I then have sent two letters out certified mail one on XX/XX/XXXX and another on XX/XX/XXXX and still have not heard a word from the collection agency verifying the debt.

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 2022-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i having been trying and asking SPS for a loan modification or short sale for sometime in order to avoid a foreclosure on my record, but they have refuse to allow me to do XXXX or the other the property is listed for sale and my realtor is trying to sale the home but unless the lender allows the loss mitigation the property will not sale because the balance to pay off the loan far exceeds the value of the home and SPS is fully aware of this fact, they just want to foreclose on the house, in accordance with the CA homerowners bill of rights i should be able to get some type of assistance in order to avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had fraud alert on my credit file with Experian back in XX/XX/2016 regarding excessive inquires on my credit file, I am showing that there are over XXXX inquiries that I have not authorized, I am sure why or who are doing these inquiries but If my file was documented with fraud alert how they can still allow hard inquiries to be added to my credit file with out verifying personal information. This is unacceptable.

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