BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: TX
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:
I have been a subscriber to the Equifax, XXXX, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, Equifax, XXXX, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my Equifax, XXXX, and XXXX consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with Equifax, XXXX, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) Equifax [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Paypal Holdings, Inc
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Paypal has allowed the scamming XXXX to defraud my account. 
Their cart adds items on each time you visit against the wishes of the customer. 
XXXX charged me for XXXX memberships & XXXX listings of a membership. This is utter rubbish and contacted XXXX of the error XX/XX/2016. 
They recognized the error and said they credited me the difference. 
The problem is they did not so I opened a paypal dispute. 
The seller offered a refund of XXXX admitting liability and error. I requested that Paypal continue to investigate as I was truly owed XXXX. 
I only wanted one membership. 
I tried to contact Paypal to assist and they were unhelpful and decided the case in the favor of XXXX XXXX XXXX & denied the partial refund the seller offered. 
So i contacted the seller ( no one mans the phones at XXXX XXXX XXXX as it is a phishing scam site. They refused to return my money, canceled the membership and blocked my computer from accessing the site ( see documentation ). 
As such paypal has an obligation to return XXXX-XXXX=XXXX I tried to print out the chat conversation and was unable to. Given the customer service agent would rather block my ip address than address my concerns in writting, it confirmed my suspicion that this is some tech geek running a scam site. 
Regardless, as he canceled my membership and blocked me from his tech/phising site, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, 60 days past due as of XX/XX/XXXX, 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: PROVIDENT FUNDING ASSOCIATES
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2012 we mailed a payment of {$2900.00} to Provident Funding, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The monthly mortgage payment is {$990.00}. We marked the additional amount of {$2000.00} to be put towards the principal. The company made an extra month 's payment of {$990.00} and only {$1000.00} to the principal. We have talked to them but to no avail. We have not missed any payments and do not know why they did this. So since this date the amount that should have been put to the principal has cost us interest. They do not want to rectify their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Dynamic Recovery Solutions, LLC
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:
I received XXXX mailed statements from Dynamic Recovery Solutions ( XXXX XXXX XXXX, XXXX, SC XXXX ) for collection of a debt to a company I 've never heard of with a made up account number. I 've searched all XXXX companies listed ( sender, original creditor and current owner ) and finding nothing but scam-related information. The other companies listed/involved are XXXX XXXX and XXXX XXXX XXXX, XXXX. Their statement shows them as being accredited though the XXXX, XXXX and being XXXX compliant, and I was n't able to find a XXXX listing anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter from this company proposing a settlement amount for a debt they allege that I owe. This is the first and only letter I have received from them. I am disputing the debt. I believe this company has violated the terms of the Fair Debt Collection Practices Act because 1 ) They failed to advise me of my right to request validation of the the debt within 30 days ; 2 ) They failed to advise me of my right to dispute the debt within 30 days ; and 3 ) Did not provide validation of the debt within 5 days of their original letter. I have responded with a letter disputing the debt and requesting validation and a request that any future communication be in written form.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-20
Company: Jzanus Ltd.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Threatening to report to credit agency amount in dispute. I have asked the the debt collection agency what the amount due is for and they tell me to call the hospital. Since they have no billing info there is nothing I can call the hospital about. Spoke to Supervisor XXXX XXXX, on XXXX/XXXX/15 who said he would contact hospital and find out what the amount his office is billing is for and call me back on Monday XXXX/XXXX/2015. A week later and he still has not called. I tried to call him today and was unsuccessful in getting him to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had medical assistance at the time of the XXXX visit, all referrals were in order and insurance card was given. No bill was asked upon leaving the facility, no bills were sent in the mail, about a year later I received a collection notice for a debt owed on that specific date of service. How can you send something to collections that you never gave the person a chance to pay, I did n't even know I owed anything. But anyways, I then called the collection agency and ended up paying the bill they asked. I thought everything was fine.. Well about 2 years after I received a new notice from another collection agency for the same date of service saying I owed them money again. How can this be?

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 2017-04-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was not properly notified, by Midland funding LLC/Midland Credit Management INC, in Michigan, they went through a third party. Illegally placed a garnishment on my credit report to garnish my federal income taxes and the account is currently occurring interest. Lack of verification that this debt was assigned or sold to collector. Lack of verification that this debt was assigned or sold to more than one collector. Midland Funding LLC has multiple class action lawsuits pending due to unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Cascade Collections, Inc.
State: MO
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 paid off my Home ownner Association dues before a left the home.That was approximately 5 years ago. The Home owners association confirmed the debt was paid. Over the years I have told them numerous times that their records are wrong and it is effecting my credit rating. They refuse to correct this and keep sending me demand notices. The name of the agency is Cascade Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The name is XXXX XXXX account # XXXX Re : XXXX HOA in XXXX XXXX. I live at XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Coinbase, Inc.
State: MN
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Signedup XXXX family members for referrals on Coinbase.com. Coinbase at that time offered {$75.00} for each person referred to their service. I referred all XXXX and they met the terms Coinbase intially offered. Signup took a while do to money transfer timeframes setup by Coinbase. In that time, Coinbase changed their promotion and terms to {$10.00} for referrals. When asked why, they said they could change terms at anytime ( even if signup up for {$75.00} referral bonus ) and that family members did not meet the terms either. Felt like they just change terms to disclude giving out referral bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I received my credit report from XXXX and there is a record of inquiry from American Express that XXXX shared " as a result of my action. '' I never applied, have had, or authorized American Express to access my account. This obviously affects one 's credit score. They either have a forged document or they purposely attempted this action on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt was claimed in year 2000 by Alarm company XXXX for XXXX and has been on my Credit file! 6 years.Account # XXXX.held by Transworld systems- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
This is regarding false advertising, regarding " Bi-Weekly Mortgage '' plans. 

I received a solicitation containing many false claims. ( attached )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Five Lakes Agency
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are working a short sale on this property. The 2nd lien with Five Lakes is not being cooperative. They are stating they wo n't move forward with the approval letter that we have from the 1st lien holder for a few reasons. 1st : They do n't think the file should be approved for HAFA because the HAFA program ended XX/XX/2016. But that means that the short sale just needed to be started by then, not approved by then. I have explained this to them and they wo n't listen. They do n't like the fact that the approval letter from the 1st lien does not state it is HAFA on it. But this is because the approval letter they are looking at is an extension to the orginal approval letter from the 1st lien. It does not have all the details on it and is just an extension. They wo n't merge the XXXX approvals together to get a valid approval. I ca n't make the 1st lien alter their approval template to say what Five Lakes wants it to say, just because they ca n't think out of the box. Five Lakes wants XXXX, the 1st lien, to issue an ARASS form before moving forward. The ARASS is not applicable and Five Lakes wo n't listen. They state that if the ARASS is not submitted, even though it is not needed, they wo n't move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: ROC Asset Solutions, LLC
State: WI
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:
My mother, ex wife and I have received repeated calls trying to collect a debt from my sister. We have all insisted they stop and they claim that it 's my sister 's fault they are calling and that we can be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Comerica
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Had XXXX left yesterday .then same day last night had XXXX then this morning .now XXXX cents.someone is stealing my money.i want it back.now.that money was soppose t pay for my doctor or phone bill that was left.im on a fixed income n im n a terrible times.my doctor visit for a XXXX future XXXX is XXXX dollors.help.i tried to call bank.n cant get though.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Consumer Asset Management (Texas)
State: AZ
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 do not owe this they never provide proof when requested keeps putting this on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2016-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC Mortgage Service Center is my current lender. I filed Bankruptcy in XX/XX/XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with HSBC as well as XXXX, XXXX and XXXX to no avail. I have attempted XXXX times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither HSBC nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having HSBC Mortgage Service Center be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Several items are not mine. Also their are several hepa violations. I never lived at some of the addresses and I 've never worked for a XXXX I 'm assuming it 's supposed to say XXXX .... which I 've also never worked at .... what a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: High Point Asset Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-13
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection agency sent me XXXX lettlers where i make a settlement payment of a debt that is not mine.The agency is Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XXXX. 
XXXX XXXX is reporting, opened in XXXX. Simply to extend the 7 year mark. 
I contact XXXX, which is the original creditor. 
Being a very old charge off account, they do n't have record. 
XXXX XXXX is basically reporting whatever they find damaging towards consumers. XXXX XXXX is n't reporting actual dates from time of original close out event. 
Not only do they call and harass me back in XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed