BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: AMERICAN INTERNET MORTGAGE
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX XXXX, before the rate increase, I applied for a mortgage with AimLoan.com. I was given a set of required steps and required documents. At no time during the application process was I told that XXXX of the lenders requirements was XXXX transcripts of tax returns. My rate lock expires XXXX XXXX, XXXX. On XXXX XXXX, AimLoan supervisor advised me that " Proof '' that the XXXX taxes had been filed was required. A signed copy of the tax return was not good enough. We had a brief conversation that if I submitted false documentation to obtain a mortgage, that would be a felony. The AIMLoan supervisor did n't care. I contacted XXXX Tax Advocate for my area to see if there was a fee I could pay to expedite making transcripts available. There is not. This is a 6 to 8 week process and there is nothing I can do about it. He mentioned that XXXX XXXX should allow for stamped copy of the tax return, showing it was filed in person. I went to the XXXX office and filed my taxes in person. I received a stamped copy showing they were filed. I advised AIMLoan and provided them a copy of the XXXX Stamped return showing it was filed. AIMLoan decided that this did n't meet their lending requirement. That they must be able to receive a transcript. Even though today is XXXX XXXX and 6 to 8 weeks is way past my loan lock and since Fed raised interest rates in XXXX, after my rate lock, the person who is losing thousands of dollars and maybe the contract to purchase this house is me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of this year, my wife of XXXX years of a happy marriage passed-away from a long, lingering illness. As is the case with such long marriages, we had divided our household responsibilities and assumed the care of various elements individually. 
In this case, my wife took complete care of all our finances, including banking, installment loans, credit accounts, utility bills and the like. I had no input or knowledge of such activities during our long marriage, except to say that I trusted my wifes judgment in such matters completely. 

Upon her passing, I had to take over the responsibility for such matters myself. Although she left me good records, I was not privy to her decision-making process, and so I did not know the particulars of any such matters. This is not to be construed as a criticism of my wife, it is only a statement of how we conducted our affairs as a couple. 

Upon researching our banking and credit matters, I discovered that my personal credit rating was rather low, and I found that I was being associated with an unpaid debt, XXXX which I found no mention of in my wifes financial accountings. 

It is about this alleged debt that I write to you today. Midland Funding has a claim against me on my credit report. I have asked them, in writing, to substantiate that claim, but they have never done so. By that, I mean I have asked them to send me any evidence that I personally participated in this alleged account. 

I have asked for anything that evidenced a signature, a contract, anything that I might have personally done to incur this indebtedness, but they have not provided that to me. They send fragments of computer records, but those are so susceptible to fraud as to be unreliable indicators. 

I have disputed this alleged claim against me several times, using the credit reporting agency dispute process, but Midland simply says that their records are correct. Their continued reporting of this alleged debt against me, without proof of my involvement, continues to defame me and reduces my creditworthiness. 

Therefore, I have taken this extreme measure to ask that the people to whom I have addressed this letter require Midland to either produce concrete evidence of my personal involvement or remove the claim from my credit report. 

With respect, I sincerely request that the claim against my reputation be removed if Midland can not substantiate it against me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
* My XXXX had a Chase XXXX Visa * Account was opened XX/XX/XXXX * Business name is XXXX XXXX. 
* For 14 years XXXX XXXX. paid this account never missing a month * XXXX XXXX is a XXXX XXXX XXXX XXXX * Chase never recorded payment on my personal credit account before * XX/XX/XXXX, XXXX Hit a bump in the road renters stop paying their rents due to covid-19. 
* XX/XX/XXXX was first time ever XXXX missed a visa payment * Chase put missed payment on my personal credit report that month and every other month after changing the XXXX  account to a personal account with credit agencies and sending me a credit card with my name on it instead of the XXXX name XXXX as usually. 
* I never signed the credit card on the back accepting personal payment * My XXXX XXXX XXXX made 14 years of payments that was never reported to the credit reporting agencies as a personal account. 
* First reporting in XX/XX/XXXX, on personal credit my XXXX  owed in the area of {$3500.00} that chase posted on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I closed my account with KeyBank due to their deceptive, unfair, and abusive acts and practices. Despite my account closure, I continue to receive account servicing notices from the bank. In the notices, I have no option to opt out of their communications. While they are account servicing notifications, and not marketing materials ( which would require opt out ), I DO NOT wish to continue to receive any communications from KeyBank. I would like to be put on their opt out lists for all communications, and have their internal controls ensure that they are not sending notifications to non-customers. Can the CFPB please help to enforce regulatory action against this bank, that continues to violate internal procedures and external laws and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Mar Joe Enterprises
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I really don't know where to begin. I was discharged from the XXXX XXXX which is called XXXX XXXX XXXX XXXX I believe of XX/XX/2018. Because of XXXX XXXX I was there needing their services if I am unable to take care of myself. I decided to come home and get home health services to take care of me. Through XXXX XXXX I am able to receive these services. I am on social security XXXX. To make a long story short I have never received any theme from the XXXX XXXX saying that I owe them money or from the collection agency! I just happened to find out through my email that I have a creditor. that is the only notification that I have received and I just got that within the past 60 days. I would like to have this removed I do not owe any money. I don't know what else to say. I did try contacting the XXXX XXXX  and speaking with the director whose name was XXXX. And she was no longer there and has gone to a different facility. The company was changing ownership and bringing in a lot of new staff. And there is a high turnover rate there. With all of that confusion something like this could have happened. That is the only reason I can think of something like this happening!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ive corrected and disputed this and o9ther medical coll4ections already i had medical at the time so it was covered.i dont know why its still on my report

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 2015-07-29
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX from XXXX XXXX XXXX XXXX. He did not disclose from where he was calling, or representing. I googled the number and it comes up with many complaints and the name " Fidelis '' which is also a large XXXX in XXXX New York - This issue is for a dental bill for which he told me was {$360.00}. I told this XXXX XXXX that we have been in contact with the dental office, and our former insurance carrier about this - that it has been an ongoing issue and not one that we chose to ignore, or not pay. He is bullying, rude, condescending, and threatened me with a lawsuit even after I explained the history. I called my XXXX office, XXXX XXXX XXXX immediately afterwards, and spoke with the office manager who told me that XXXX XXXX has his figures wrong. XXXX his date, and the amount of the bill which is {$100.00}. This begs the question where the other expected {$260.00} would go had we paid this incorrect amount. Right into XXXX pocket.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Kohls Credit Card serviced by Capital One. 

We have literally contacted kohls 3 times regarding a payment of XXXX   DOLLARS. 

The entire account balance was {$2.00} due We have PROOF the payment was made ON TIME and yet kohls has failed to reflect that payment on the account. We have emailed Kohls over the past 60 days attempting to get the payment posted and applied to the account They reply to the email that they can not discuss the account via email. However when we try to call Capital One the hold time is HOURS. 

Today kohls just reported the account as PAST DUE after we again contacted KOHLS asking them to update the account. Instead of helping us resolved the issue they reported the {$2.00} to the credit agencies. 

Other than this {$2.00} I have a perfect credit score of 100 % on time payments which is now marred with a 30 day late pay for a payment that was MADE ON TIME!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2015-07-22
Company: The CBE Group, Inc.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I took out a student for XXXX college XXXX yrs ago they kept raising the tuition so I quit and went to a community college. I started receiving these bills from a collection agent CBE group stating that I owe {$11000.00}, I was at XXXX for maybe XXXX semesters. I tried to work out a payment plan with CBE Group to pay off the loan, they told me I have to pay {$150.00} per month, I told them that was too much I do n't make that kind of money. Upon my first payment they took {$150.00} plus an additional {$200.00} that I did n't authorized. Then they started calling my job all day every day ( I work in retail ) and my cell phone. Now they 're call asking for my XXXX. I refuse to give them my tax return, XXXX, paystubs and other private documents. I 'm on a payment plan with them and I 'm still receiving all these phone calls. Please I need them to stop calling my job and I do n't owe {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
At some point in the past I had an online account with Venmo ( https : //venmo.com/ ) which is a service of PayPal, Inc. , allowing its users to transfer money between themselves. 

On XX/XX/XXXX I received a email from Venmo advising me that : " THE STATE OF CALIFORNIA REQUIRES US TO NOTIFY YOU THAT YOUR UNCLAIMED PROPERTY MAY BE TRANSFERRED TO THE STATE IF YOU DO NOT CONTACT US. '' When I attempted to log into my account the same day I was denied access, despite having the correct username, recovery email address, and password. 
Repeated attempts to correct the situation with Venmo customer support have failed. 

Currently, Venmo is refusing to give me access to my account, nor will they propose a solution which would allow me to recover the funds in the account and close it. 
While Venmo has a responsibility to require its users to authenticate themselves, they have made it impossible in my case. 

Below is a summary of my correspondence with Venmo customer service. 

1. I opened and used an account with Venmo using my US phone number XXXX. 
2. At some point, Venmo changed their authentication procedure, implementing a 2-factor system which requires a US phone number. 
3. In XXXX I moved to XXXX, where I have resided for the last three years. I no longer have a US phone number. Additionally, the credit/debit card numbers I provided did not correspond to what they had on file. 
4. Venmo 's secondary authentication solution requires sending them a photo of the user 's valid state-issued identification. However, my California driver 's license has expired, so they will not accept it. ( Also, Venmo has a truly atrocious online reputation as far as security goes, so sending them a photo of my ID seems like running a significant risk of identity theft. ) 5. In their last message Venmo are offering to return the money in my account to the individuals who sent it to me. That is not a satisfactory solution, since I have no idea who those individuals are, nor how much money is in the account. It would amount to theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
During an evaluation of my credit report, I noticed a company by the name of XXXX billing which is in California. I contacted the company to find out what type of business they were and the rep told me they finance auto and home. She attempted to look me up in their system by using the last XXXX digits in my SSN and my last name. She could not locate me and I asked her why were they on my credit report and she said she did n't know but it could be a case of identity theft. She told me to contact XXXX and let them know. They would contact XXXX billing and XXXX billing would tell them I am not in their system. I did that. Now I 've received a letter from Equifax stating that XXXX billing is not reporting on the Equifax credit file. That is not my XXXX dispute and I made it clear to them. My dispute is why is this company on my credit file and I 've never done business with them?? I 've never heard of them. I want them off of my XXXX credit!!! I 'm sick of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Yesterday my husband XXXX XXXX received a phone call from a lady that identified herself as an employee of Portfolio Recovery calling about my old credit card. She tried to get him to agree to either set up payments, pay a reduced amount in exchange for it being settled but she kept stressing that it had to be done before XX/XX/XXXX. He argued with her because he knew this card was only in my name and he had no idea why they were calling him. She gave him all of my information including the last four of my social security number. She should not have given out my information. That violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a bill from almost 3 years ago from XXXX. I disputed the bill it was found and taken off of my credit report. XXXX credit reporting Agency was the last person to actually buy it they keep selling it to different agencies even though I have disputed it with the credit report and has been removed. This reinsertion is illegal is constant and these companies are incessant they have harass me and I explain to them that the last person who brought the bill also had to remove it its been removed three times and they keep trying to ruin my credit by putting this on there as if I havent paid the bill when in fact I dont alter them any money they took their equipment I could never use anything so they just showed up at my home at a nowhere when I called and canceled they are the ones who canceled it not me I dont owe them anything I never did Ive always pay my bills they keep trying to ruin my XXXX credit score with a three year old {$60.00} bill that I am not going to pay because I dont know its intimidation this is disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to Experian resulting in a one point credit reduction.

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 2020-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to XXXX resulting in a one point credit reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX ( represented by Pressler & Pressler ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the XXXX this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

XXXX and Pressler 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that XXXX XXXX and Pressler were reprimanded for in their respective CFPB Consent Orders. There is no record of XXXX ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

XXXX XXXX has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

XXXX is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if XXXX chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.

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