BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: Account Management Resources
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ACCOUNT MANAGEMENT RESOURCES ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT MANAGEMENT RESOURCES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT MANAGEMENT RESOURCESor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
SPS Select Portfolio Servicing, inc unfair resolution of my house. Which promise my a short settlement which I paid in a timely matter but cheated me out of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XXXX  These are not my accounts and I would like to remove them all thank you.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to send collection notices to us for a credit card debt that is at least 7 years old. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: BARCLAYS BANK DELAWARE
State: MO
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:
XXXX  These are not my accounts and I would like to remove them all thank you.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   #  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 explanation
Consumer complaint received 2016-08-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data International ( a collection agency ) promised to remove and " delete '' the collections account they had listed on my credit report, if I paid the collection company. Despite failing to provide adequate verification and validation or proving that I was liable for the account, I wanted to pay the full amount for deletion. I made sure that IQ Data International agent XXXX XXXX and agent XXXX XXXX understood that I would pay ONLY if they removed the negative account ( both verbally and in writing ). IQ Data International promised to remove and " delete '' the derogatory account from my credit reports once I paid the collection agency the total amount of {$340.00}, paid in full as agreed. 

Despite having paid the agreed upon amount in reliance upon IQ Data International 's promise to remove the derogatory account, they have not removed the negative account from my credit reports. In other words, IQ Data International lied when they promised to remove the account and breached their contract/ agreement and induced me to pay. 

IQ Data International debt collection company lied when they promised to remove the derogatory account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage is with US Bank. A bank that has no local branches in our area. they encourage paperless billing to reduce waste and have a more protected transaction. Our payment is due on the XXXX of the month and late after the XXXX. Initially if you set up an online payment that was processed between the XXXX of the month and the XXXX they charged a {$3.00} bank service fee. Now they are charging {$5.00} for any online payment after the XXXX of the month. As far as I know, these fees were not made aware to us when we received our mortgage and is it proper for them to charge a fee to pay your bill online, when it actually saves them money to have me pay online?

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 2022-04-22
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home purchased in XX/XX/XXXX. Value re-assessed in beginning of XXXX causing additional tax statements to be collected. 
XXXXOn XX/XX/XXXX, I sent an email to XXXX ( per calling UWM ) requesting to pay additional XXXX  taxes due to tax assessment increase {$350.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX ( per calling UWM ) requesting to pay additional township and school district taxes- due to the assessment increase township- {$160.00} School- {$1400.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX requesting that i sent 2 emails requesting overdue taxes be paid- there is now a 10 % penalty. I called UWM ( united wholesale mortgage ) and this time they provided me the delinquenttaxes email to send statements to. 
-On XX/XX/XXXX, i called again since taxes were not paid. I was told to upload the documents to the UWM website secure message center- which i did. I was told they would escalate the situation and pay taxes. 
- I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX  that as of XX/XX/XXXX the unpaid taxes will be filed as claims in the XXXX XXXX dept of court records. I contacted XXXXXXXX XXXX XXXX on XXXX they stated that they sent a copy of the county tax request to XXXX XXXX Uwm 3rd party- who pays the taxes on XX/XX/XXXX, per their request. 
Current Amounts Due are : county- {$540.00} township- {$210.00} school- {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
1. This company Convergent Outsourcing falsely misrepresented in their call saying it was XXXX, trying to collect {$170.00} XXXX owed.In a letter to me XXXX, it lists XXXX to pay or by credit card. I called XXXX & clarified that there is no debt of {$170.00}. 
2. A few days later, this same company called with an automated message to XXXX XXXX " from the District Attorney 's office with pending charges & should contact this office at once.You have been notified. '' I was terrified & immediately called that number. The same scam from Convergent Outsourcing regarding collection of {$170.00} due XXXX. 
These calls began the day after I called for a free credit report from all XXXX agencies. I received my XXXX reports & have nothing negative, only my fairly new XXXX transactions, which are favorable. 
I have made XXXX aware of this scam so hopefully, they too will file complaints against Convergent Outsourcing. In my opinion, this should be turned over to the legal authorities as a misdemeanor or even felony. 
Convergent Outsourcing , Inc XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
United Collection Bureau " Robo-calls '' my home phone number daily attempting to collect a debt from some one else whose former phone number I was likely assigned after a recent move. I have called them back several times and have left messages for them to stop these calls as I am a new person with the debtor 's former number. I even spoke to a gentleman there once and explained to him that the number they have on file is no longer for the person which they are still attempting to reach. Their calls have continued despite my threatening them with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Byrider Franchising, LLC
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account has been disputed and it was removed from XXXX but not XXXX and XXXX. Please have removed from XXXX and XXXX also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I received an alert from my credit monitoring services ( XXXX ) advising me that a new inquiry was placed on my credit report. Upon reaching out to them and then reaching out to DISCOVER while in conference call. It was determined a fraudulent credit card application was submitted and approved in my name for the amount of {$6000.00} USD. DISCOVER went ahead and cancelled the account and informed me that the card application came from a offer via mail. They said they were closing the account and the card wouldn't be shipped out since we caught it in time. It's worth mentioning this is the second time a similar incident happens with my identity and the same bank. The first time, a checking account was opened in my name a few years back. 
XXXX Theft case # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In trying to verify that all XXXX credit reporting firms reflect closed accounts and have CLOSED their credit reporting files on my husband 's file ( deceased XX/XX/XXXX ) I have found credit INQUIRIES were twice made by " XXXX XXXX XXXX '' in XX/XX/XXXX-XX/XX/XXXX ... ... ..which I presume to be XXXX XXXX. After today 's news regarding XXXX XXXX 's MASSIVE fraudulent practices I am presuming this was a 'test ' to see if they could tap into possible open XXXX accounts or?????? For certain HE was not alive to ask for ANYTHING requiring a credit inquiry to Experian or any other firm as ALL accounts were closed/terminated by XX/XX/XXXX. 
I am having problems getting deceased husbands credit files CLOSED!!??

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 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX  XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

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 2020-08-04
Company: Dynamic Recovery Solutions, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt owed to XXXX/XXXX through a third party collection agency dynamic recovery solutions on XX/XX/2020. I have disputed this with the credit bureau and webank/fingerhut still shows this account as being owed. I have contacted both companies and I need this settled in full trade line removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: Jim Bottin Enterprises, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I became dissatisfied with my Gym, XXXX XXXX in XXXX MD, and decided to cancel my membership. Cancellation became an almost impossible task due to a situation at the club in which there was no manager employed there. Finally, I was referred by a club employee with a shrug of the shoulders to ABC financial. ABC financial then proceeded to tell me that only the club manager could cancel the membership. I told them there was no club manager, so what could we do? The representative did not offer a solution. Upon my pressing the issue, the representative promised to stop charging my account in the interim. They did not, however, stop charging my account. They charged a late fee, and starting making incessant robo calls to all the phones they had on my account. I called back and asked about the automated email and call that I received despite my complaint, request to charges stopped, etc. The rep said she did not know anything about the email and call but that it " should n't be happening, my information was noted in the record. '' I have never been connected to the same representative twice in trying to deal with them. They still want to collect a charge for one month fee on behalf of a gym that was itself operating illegally by having no personnel in place for members to cancel. It is maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
My husband lost his job in XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Capital One with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A copy of the email I sent to Money Source and as of this writing, I have not received a response. 
Is it legal to add more $ $ $ to the property tax for escrow when the property tax did not go up and the amount was correct on the final docs? When prior to refinance all the amounts were correct but after refinance the amount is not correct. My property taxes are {$4500.00} for the year. 

Spoke to a representative on the XXXX XXXX, 2016 who said the amount will be adjusted to reflect the correct amount of property taxes being for escrow. When called today the representative stated someone overrode it. 
I refinance in XXXX 2016 with the same company, TheMoneySource. 
Below reflects prior to XXXX 2016 and now : 3.875 %. 3.25 % Principal {$580.00}. {$570.00} Interest. {$1100.00} {$950.00} Escrow. {$660.00}. {$890.00} Total. {$2300.00}. {$2400.00} Final docs : See attached few pictures There are XXXX pages with different figures for the estimate which I asked the notary and since the correct amounts were on other forms of the documents she figure it was a mistake Ridiculous. Instead of more money going to principal someone added it towards my escrow ( taxes and insurance ) and my taxes did not go up. I 'm paying more

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29
Company: Diversified Consultants, Inc.
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:
Received this letter from Diversified DCI Consultants, Inc. Regarding this Debt that does not apply to me in the amount of {$2200.00} have received this letter twice requesting to remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted application for loan with USAA bank. I provided all documents required. 

I received a verbal notice stating the loan was denied because I received a raise in pay. I stating that is logical -- I can afford the home and so I applied for the loan.. I have never heard of denying a loan because of my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage service " Loan Depot '' has not applied timely partial payments we have made to them under the terms of the loan contract or follow FTC rules concerning how payments are applied. This scam is to delay the payment application to well past the late due date and then charge a {$81.00} late fee, which is detailed in the " Loan Statement '' under " Transaction Activity '' and the activity is outlined in item XXXX on the back of the " Loan Statement '' in section " Payment Information ''.

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