BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt collection company ( Cavalry SPV I LLC ), sent unidentified individuals to my address on XX/XX/2022 and told my landlord about my debt and that they are going to arrest me on this date. My private debt matter has become public knowledge. 

When I requested any information to prove any account with Calvalry SPV I LLC the company sent to me documents in a unmarked envelope that did not prove any debt or account with them. Cavalry SPV I LLC, has been by my home several times over the course of a year, which lead me to believe their agents are watching me. The landlord had her XXXX  in the front of the house playing, while these unidentified men come looking around for me, the child is XXXX years old she now believes that I may be a bad person, because these men are looking for me. 

The agents told my landlord that they are going to sue me and that XXXX be taken to jail, over a debt they have no proof I owe to them at all. Its causing my landlady to be under the impression that I have committed serious crimes that I may be involved in a more serious matter aside from debt. 

These agents have come to the house many times, unidentified and threatening to put me in jail and to sue me. My landlord is not feeling safe to go and come as she pleases, which causes my living situation to be fragile, because theres no trust any longer. The landlord now knows about my private debt, because of the conduct of these vicious agents who keep coming by my house and telling her. They try to coax her into feeling unsafe, and she does. These men, who continue to show up and threaten to take me to jail and sue me makes my landlord uncomfortable. My debt has become public knowledge because of their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am concerned about a potential security breach at Key Bank or XXXX. My debit card, issued by Key Bank in partnership with XXXX, has been digitally stolen three times in the past six months. Each time this occurs, the events are always the same ; the card is charged for a transaction on XXXX XXXX in California. The physical debit card always remains in my possession. I have never had a XXXX XXXX account. 
The first occurrence was on XX/XX/2022, wherein my card was charged by XXXX XXXX via XXXX XXXX for a total of {$51.00}. I called Key Bank and was issued a new card as well as provisional credit while the dispute was investigated. 
On XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction in the amount of {$69.00}. I called Key Bank- this time they " hard closed '' the card and instructed me to delete the card number from any e-commerce websites where it may have been saved, which I did. Key Bank again extended provisional credit for the disputed transaction. 
Less than a month later, on XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction, this time for {$45.00}. I called Key Bank I was quickly transferred to a different department - the woman I spoke to this time seemed slightly more abreast of the situation and implied that this was a problem of which Key Bank was aware, and that Key Bank 's investigative departments were working to find the root of the breach. I asked how someone could possibly have access to my new card so soon after it had been issued ; the Key Bank representative suggested there may be a breach with XXXX or XXXX XXXX ( again, I have never had a XXXX XXXX account. ) The Key Bank representative again " hard closed '' my card and issued provisional credit in the disputed amount. 
I have just received my new debit card and I am very concerned that this will occur again. This is my only card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to request a review of the situation involving my PayPal account. I had my account unexpectedly and permanently blocked. I had responded to all the required information by PayPal and followed all of their rules and regulations as I had agreed to when I signed up. Despite this, they have frozen my funds for 180 days and canceled my account. I am familiar with the importance of timely reviews to maintain PayPal 's status as a secure platform for customers and merchants. I have done nothing wrong and have not engaged in unethical behavior. I am a website designer and use PayPal to collect payments from clients for the work I do on their websites. I would appreciate if PayPal did another investigation and restored access to my account. My PayPal address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX XXXX, XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX XXXX, XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX XXXX, XXXX. and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: PLAZA HOME MORTGAGE, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I received a letter from my county saying my tax was delinquent and that my home was going to be sold due to a tax lien ( See Attachment XXXX XXXX XXXX notice front ). 

On XX/XX/XXXX I called the county tax office to figure out what was going on. When I investigated with XXXX XXXX, they said the last payment they received was on XX/XX/XXXX, and that they never received the XX/XX/XXXX payment. This is corroborated by the information on their website for my property, which is Attachment XXXX XXXX county current tax bill. 

The county said to contact the bank since they never got it. 

My mortgage recently was transferred to another servicer. 

The first servicer was Plaza Home Mortgage XXXX. In their account, they show my escrow balance as XXXX. This makes sense as the mortgage was transferred at some point earlier this year. Bit they also show an ambiguous escrow payment `` County Tax '' on XX/XX/XXXX in Attachment XXXX, plaza payment. It's clear this money was debited from my escrow. 

The second servicer is XXXX XXXX, and when I checked their escrow, there is no way near enough money in escrow to have made that attempt and no record of them making a payment. ( Attachment XXXX, new loan escrow ) So based on these findings I contacted Plaza Home Mortgage for resolution also on XXXX XX/XX/XXXX, at their customer service number XXXX. I spoke with a lovely lady named XXXX. She directed me to send an email to XXXX with my loan number and the words " Attn : Tax Department '' in the subject line, and advised that someone would contact me about that in 24-48 hours. 

I did so immediately, detailing the case much as I have here with attachments. 

It has now been over 4 days since I contacted them in the manner in which I was instructed and have received zero acknowledgment. I am concerned for my home, so I have made this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Paypal Holdings, Inc
State: WI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I believe paypal is scamming me. A few months ago I made some purchases on ebay and used PayPal to purchase items. After quite a few purchases I started receiving bills in the mail from PayPal for paypal credit. I did not sign up for this service and expressed that to them but all they would do is cancel the service. My bills from them are stacking up. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29
Company: VW Credit
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:
In accordance with the fair credit reporting act, XXXX XXXX HAS violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Volvo Car Financial Services U.S., LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
Volvo Car Financial Services ( VCFS ) offers a vehicle lease extension option on their website, for XXXX, XXXX, or 3 months. On XX/XX/XXXX, I selected XXXX and the automated response said I would hear back. 

When I did not hear back, I called VCFS today ( XX/XX/XXXX ). I was told they only extend leases when you have an order placed with a dealership. If that is the case, along with being a consumer-unfriendly policy, it is radically misleading to even offer the extension option on the website without this important qualifier. That is my first complaint. My attachments show the denial issued. 

Moreover, the VCFS representative told me on the phone I did receive a reply. I checked my email and recent voicemails. Had neither. But, it turns out, that yes, I did receive a denial via VCFS ' messaging platform. That messaging platform does not notify the consumer through any other means when you get a message. No email to say " you have a secure message '' or anything of the sort. Had a not followed up with VCFS, I never would have known. That would be my second complaint.

I am also attaching the full message history via VCFS ' " secure messaging '' which shows that the denial was made without my providing a single fact and was a denial that appears consistent with Volvo 's maintaining a policy of no extensions. I am also attaching a screenshot of the message I got when submitting an extension request ( for the purposes of this complaint, I just requested another extension via the website ), that suggests I'll be hearing back in 48hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Please treat this as a dispute of the amount that Bank of America, N.A. claim that I owe and the amount that Bank of America, N.A. has been collecting from me since the origination of my automotive loan. To be specific, based on the information that I recently learned, Bank of America, N.A. erroneously charged me and has been collecting from me an amount that falsely included a XXXX XXXX XXXX XXXX ( Option Code : XXXX, Form Number : XXXX ) warranty ( Warranty ) which was wrongfully and unilaterally cancelled by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, ( Dealership ). Herein, I am disputing the principal balance, calculated monthly payment, interest and any fees or costs that Bank of America, N.A. claims I owe or that Bank of America, N.A. has collected from me to date since no warranty, no notice of cancellation, and no refund have been provided to me in exchange for what I have paid to Bank of America, N.A. I am requesting an investigation and response to my dispute raised herein and an explanation of whether or not any amounts have been refunded by or to Bank of America by either XXXX or XXXX as it relates to the Warranty and my automotive loan.

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 2022-05-16
Company: MRS BPO, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from an unknown number for which no voicemail was left. I called the number back and was informed that I owed a debt to XXXX for an amount of ~ {$130.00}. I told them that that was impossible as the XXXX bill was handled through the property management of my previous address that I moved out of in XXXX. I told them that I am disputing this and that this is not a debt that I owe. When I told them this I was told that I would need to be the one that needs to contact XXXX XXXX XXXX regarding this. That is patently false. I have not received ANY written notification regarding this debt, not have I received anything that verified this debt. T

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Wells Fargo Home Mortgage on XXXX, XXXX/XXXX/15, to give them my promise-to-pay on XXXX/XXXX/15 via my bank online bill-pay ( so that I have my own record of the payment ). Our payment for XXXX is due XXXX/XXXX/15 - XXXX/XXXX/15. I also told WF about mailing my escrow shortage payment. The customer service employee told me she would notate my account. 

On XXXX/XXXX/15, Wells Fargo Mortgage called my husband today regarding our account. WF wanted to set up auto-pay for XXXX 's payment, but my husband informed them I take care of the finances, and he told them we do not owe the XXXX payment. Wells Fargo tried a three-way phone call with me, but I was unavailable at that time and could not take their call. They preceded to tell my husband our mortgage payment was over 30 days late, and do we plan to vacate the premises. He told them no and he needed to talk to me to see what is going on. The customer service employee then tells my husband that our account is not over 30 days late. Whoops ... .My husband asked for a manager and talked to someone, but he was still upset about the phone conversation and the lack of research the employee completed before calling my husband. 

I called Wells Fargo Home Mortgage on XXXX/XXXX/15 to inquire about our account. 
I was informed that I called Wells Fargo on XXXX/XXXX/15, but the customer service employee did not notate my account as promised. Had that employee done their job correctly, my husband would not have received this phone call threatening our house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company somehow not only received my personal cell phone number but my parents, friends and family members. They call every day and if I do not answer they call all of my family members. They are threatening me with a lawsuit to show up in court for a outstanding bill that they wo n't tell me what it is ... They are extremely rude and hostile on the phone. They will not give me any address or location. I have spoken with in-house legal and they told me to report it to the FTC. 

They say they are a law firm McCarthy Burgess & Wolff but are a debt collection agency. I have ZERO debt and my credit report is rock solid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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 2020-08-05
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company ( Aargon Agency ) calls me repeatedly ( 5 to 6 times in a row ) before XXXX at times. I have asked them to stop as well as called and told them i am currently disputing as well as working on a payment plan I since i am in fact trying to work things out ), also I am asking them to give me some time and not continuously contact me which feels like harassment. I am attaching phone logs below.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.

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 2020-08-05
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been called several time and continue to ask to be placed on the companies Do Not Call list. Don't keep calling me trying to reach someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
With full XXXX party authorization from my client who is the seller in a short sale, I instituted a sale of the concerned home. Mortgage service company has used numerous delay process and has ignored all documentation and request from the seller. Time is of the essence whereby the buyer of the home will abandon the sales process if short sale approval is not obtained.

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