BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX New York zip code being XXXX. I have resided in my primary home since XXXX and I would like to keep my home. Select Portfolio Servicing Inc., SPS has been my present mortgage servicer for approximately 2 years. Since the Pandemic, I have been financially impacted and have required assistance from the Servicer due to Covid-19 related matters. My employment income has significantly been reduced due to Covid-19.

My complaint stems from the Servicer 's inability to adhere to New York State and Federal laws as they pertain to individuals impacted financially by Covid-19. I'm citing the Servicer for the following : 1. Disallowing any additional Covid-19 Forbearances 2 . Not Accepting the " Covid-19 Declaration of Hardship Document '' In the State of New York we have some of the highest rates of Covid-19 cases. These numbers have impacted my business/employment to the degree I am not able to make mortgage payments. In the past, I have provided a completed copy of the Covid 19 Declaration of Hardship Document to the Servicer and they have refuse to acknowledge and/or accept the document as an official hardship. 

In closing, we are living in unprecedented times it is mandatory that we have Servicer 's and/or Lenders adhering to Federal and State guidelines as they pertain to individuals suffering financial hardship due to Covid-19. SPS has demonstrated very little to no compliance of the laws which we are governed by during the Pandemic. They continue to operate as if these are circumstance of the past. 

On XX/XX/XXXX I spoke with an SPS representative who had no knowledge of New York State and/or Federal Laws which protects individuals who struggle to make mortgage payments at this time. In addition, SPS has continued to aggressively pursue payments. Currently, I have entered into a modification process in which i have submitted my online application. I am very concerned the Servicer will continue to disregard laws and my inability to pay my mortgage which will result in my credit being impacted. I am seeking for SPS to adhere to state and federal laws during the Pandemic and assist accordingly. 

PLEASE DO NOT PROVIDE ANY PAYMENT HISTORY DOCUMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i never went to XXXX XXXXXXXX this bill was sent to my credit 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 2021-12-22
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2016-06-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My husband and I refinanced our home with Chase Mortgage in XX/XX/XXXX. We were told after we signed the first refinancing that the paperwork was inaccurate and we would need to resign a second set. We are now selling our home and have been told by the underwriter and have copies of XXXX security deeds on our home issued by Chase Bank. Each was issued for the XXXX refinancing sets of paperwork. I have gone to a Chase Branch on two separate occasions XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and on both occasions have worked with bank customer service reps and those they have reached within Chase Mortgage and their legal department to fax these documents with a formal request that the first security deed dated XXXX/XXXX/XXXX be released. Chase Bank agrees that this should have been voided at the time of the XXXX issuance of the security deed of XXXX/XXXX/XXXX. On both XXXX and XXXX I was assured by as Chase employee that a release letter would be sent to me and faxed to my closing attorney forthwith. This has not occurred. I am returning to a Chase Branch tomorrow. My expectations are not high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.

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 2015-09-14
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a qualified written request to Seterus concerning a payment dispute and incorrect payoff. The dispute letter included detailed information and proof of all payments made showing that the borrower ( my client ) is current on his mortgage account and that the payoff should be lower to reflect these payments. Seterus received the dispute by certified mail on XXXX/XXXX/15 and sent a letter acknowledging receipt on XXXX/XXXX/15. Seterus then sent an XXXX/XXXX/15 letter to my client directly ( rather than to me as his attorney ) stating that it was still in the process of reviewing the request and needed more time. To date, no other correspondence has been received and Seterus has not corrected the error on the account. Seterus continues to report the account as being delinquent ( despite the proof provided showing that it is current ), and is threatening the borrower with foreclosure. 
Seterus has failed to respond to the written request or correct the error on the account, as required by 12 CFR 1024.35 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In this day and age of electronic payments, there is NO way that USAA Savings Bank/USAA Federal Savings Bank needs 7 to 10 days to process my monthly electronic draft payment. I pay our XXXX bill using electronic draft from my checking account every month, with payment always set prior to the due date, often a week to 10 days prior to the due date. I pay in full every month, and have done so for the over thirty years I have had a credit card with USAA. The payment amount disappears from my checking account on the date I have set the payment. USAA, however, does not release our credit limit for up to TEN days after the funds disappear from our account. 

If this were a paper check, I would have some understanding of the need to confirm that funds are available in my account, and that process taking several days. However, there is NO way that USAA doesn't have those funds almost instantaneously, and certainly within one to two days of the electronic draft date. 

When USAA does not fully credit our account with this payment ( which, again, is drawn electronically and immediately from my checking account ) and release our credit limit, however, I can not use our credit card. It causes real hardship during times of year, like XXXX, when we are making large purchases and need a credit card to do so. If USAA has my previous payment in their accounts, I should be able to use our account up to the full credit limit ( minus whatever outstanding balance we have accumulated in the interim period between the statement date and present date ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are several accounts on my credit report that arent mine. I did not open those accounts and I would like verification of these claims

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery is currently trying to collect medical debt from me. My credit report is reporting three different days last active. 
XXXX. XXXX XXXX. XXXX XXXX removed for errors This can not be correct, as the day last active would affect the day the account would naturally drop off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.

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 2017-01-25
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, we contacted Ocwen Loan Servicing to apply for a Deed in Lieu of Foreclosure. We completed all the necessary paperwork, and received documentation that asked us to vacate the premises completely by the end of XX/XX/XXXX. We removed our belongings and said goodbye to the home. We did try returning for forgotten items, and the door had been kicked in, the locks had been changed and work had been done to the deck on the home. When we called Ocwen, our loan was no longer in the mortgage department, and the Loan number changed. Our calls went directly to the Short Sales department, even though we applied for a Deed in Lieu. The house was listed on the real estate market, as evidenced by a google search on the home, as well as, a friend of a friend was trying to purchase the home around XX/XX/XXXX. The sale to him was not complete due to what he explained as " the bank did not register the deed ''. We then began receiving phone calls again from Ocwen with no real explanation of what happened, other then the DIL was never approved. We felt our process had been completed, we had left the property and not entered it for well over a year. This XXXX will be 2 years since we have put foot in the home, and yet we are still being held accountable for late fees, etc. 
i recently obtained a lawyer to see if there was any way to get back into the home and was given an opportunity to have a trial modification. This amount was not affordable for me at this time. We are then left with a short sale option, or another DIL option. There has been over 20,000 dollars worth of charges added to our loan balance since we left the home. Because we have been out of the home ( at the insistence of Ocwen ), we have lost any ability to rent or sell it. We do n't even have an ability to enter or use the property. There is also currently damage to the deck that has taken place during this time. We feel the bank made an error, perhaps the loan was sold, and that is why it went to short sales, and the loan number changed. We also feel as though some of our rights as homeowners have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After requesting the information to be sent and not to be called until i receive the documentation, i was called at my place of work and verbally insulted. i asked repeatedly for the persons name and they refused to provide it. i have asked to not be contacted again but they continue to call.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.

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 2015-10-13
Company: Empowerment Ventures, LLC
State: ID
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
Rushcard..A supposed update that was to be completed in XXXX hours has left me and many other customers with XXXX access to or funds and deposits. I am being evicted because of this and still do n't have money to move or feed my family even. I want my money and compensating in the form of first months rent and deposit on a place to live and some groceries!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo claims I opened up a line of credit with their bank for {$1000.00}. I have requested a copy of the proof as to when I signed for that account to be opened. They have refused and have continuously attempted to collect an outstanding amount of {$400.00}. They have reported this account as delinquent to all XXXX credit bureaus. 
I need you to assist in helping me identify if this is something I did open and if they can show proof I agreed to open.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: FL
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 recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX and a XXXX XXXX neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.

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 2018-01-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have deposited XXXX euros into my coinbase account on XX/XX/XXXX through wire transfer and it is still nowhere to be seen. My bank has verified that the amount has already been sent. Coinbase had a guarantee that I will receive my funds within 3-5 business days, which is obviously not being fulfilled right now.I have tried contacting them through email inquiries on XX/XX/XXXXand XX/XX/XXXX, of which I was promised a reply within 24 hours, which was again not fulfilled. I finally did head back from Coinbase on XX/XX/XXXX, but the reply only included generic troubleshooting to ensure my wire transfer does not have incorrect detail, and also notice that my case was escalated to a "specialist". I have replied to this email, providing further details and proof of transfer, but have yet to hear back from Coinbase despite multiple follow-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This medical debt was associated with emergency care while on a trip to Florida in 2014. I am a veteran I use Veteran health care system the Veterans administration was legally bound to cover this medical expense. the payment should have been made by the VA

Company response to consumer: Closed with explanation