BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I pulled my credit report on XXXX XXXX, 2016 and found XXXX collections listed from Commonwealth Financial starting on XXXX XXXX, 2016. I had no knowledge of Commonwealth Financial was prior to XXXX XXXX, 2016. Commonwealth Financial has never contacted me via any method to inform me that they were attempting to collect a debt or debts. Commonwealth Financial did not afford me the ability to disputed their alleged claims within 30 days of notice which is a clear violation of the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809. 

I have sent a Notice of Pending Litigation letter to Commonwealth Financial seeking relief and monetary damages. The mailing date of this letter is XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, I 'm reaching out to you again because Chase Home Finance keeps playing games with my home, it is over 3 1/2 years working on trying to avoid foreclosure. After Chase refuse to help me modify my loan, they place me under a HAFA short sale. 
As of XXXX XXXX we provided a sales contract to move forward with the HAFA Short Sale. Now after 8 months working with CHASE HOME FINANCE. 

Chase keeps refusing to take my calls, they hang up on me and they have now placed a foreclosure sale date set for XXXX/XXXX/XXXX. 

Please help me since we have done everything in our hands to avoid foreclosure since 3 1/2 years ago and now its not fair that Chase Home Finance is playing games. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to initial complaint with this company on XX/XX/XXXX, XXXX XXXX XXXX stated : " We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We found no records supporting your allegations of misconduct, including, without limitation, that XXXX used deceptive practices. We have no record of a request or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account. In response to those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' This is not true. I have as evidence two return receipts from the post office where I sent request for validation from Portfolio Recovery Associates. Those receipts were signed by someone in their office. This goes to show that Portfolio Recovery Associates is not an ethical company, as they would falsely state that they have no record of a request or dispute being received in relation to their initial notification letter. 
Also, the letter that I previously listed from Portfolio Recovery Associates states that they letter that they sent was in response to the account listed above. 
Also, the original letter that they sent did not state that I had 30 days to dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
I have an account with Chase Bank that has been in delinquent status over 7 years ; however, Chase Bank continues to report that the account is still within the 7 year statue of limitation by moving the last delinquent date of the account to keep the account current for collections. I have attempted on many occasions to get Chase Bank to validate their position on this and they have failed to produce any documentation to support their claim. Please investigate ASAP.Creditor Name : CHASE BANK CARDAccount Number : XXXXAccount Open Date : XXXX/XXXX/2008Account Delinquent Date : XXXX/XXXX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Transworld Systems INC ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, I initiated a dispute with Transunion via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Transunion is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. On XXXX XXXX, Transunion sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.

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 2015-03-24
Company: Credit One LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XX/XX/XXXX  we g ot a mortgage with   XXXX   XXXX    who sold to   XXXX   XXXX   XXXX   ,who sold to   XXXX   XXXX  : With none of these banks did we have an escrow  ! I   currently have a filed complaint against  XXXX  with this department , complaint number   XXXX   : This complaint today is against Ditech to whom   XXXX   sold my mortgage to: 
 As in the complaint against  XXXX  , ditech was sold my mortgage with an ESCROW in which was illegally initiated by  XXXX ! However Ditech collected my escrow and kept placing my monthly  mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both   XXXX   and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from     XX/XX/XXXX  to XX/XX/XXXX  , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance!  Over   XXXX   went into escrow! Suddenly it disappeared in   XX/XX/XXXX !!! Th ey are scammers!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Called in to find out about XXXX past accounts on my CBR Account # : XXXX and XXXX both from Capital One spoke with XXXX XXXX said said the account were sent to a Law firm and that a Law suit was Filed on me XX/XX/XXXX but she then told me the account was charged off XX/XX/XXXX and sent to a few collection company and now the law firm XXXX XXXX XXXX XXXX i explained to XXXX XXXX sounds not right like i feel like im getting robbed or something i explained to the account was open XX/XX/XXXX and closed XX/XX/XXXX on my CBR say Account closed at credit grantor 's request she said that Capital one still owns right to debit and i asked to speak to Manager was transfered over to XXXX # XXXX She explain even thou account was pass State of Limitation Capital one still right right to collected of debit and said law was filed on me as well and sent to law firm again XXXX XXXX XXXX XXXX explain to that this account should not be active that it was closed by her company she said they still have right to debit i was very worried I called XXXX XXXX XXXX very rude company could n't find my file would not help me very bad experience and just want this cleared up with feeling like im getting robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2008, like many Americans, our family was suddenly underwater with our home mortgage and we got behind due to a job layoff. We applied for and were accepted in President Obama 's aid program. We did a loan modification with Wells Fargo. Our home mortgage went up the exact amount as the aid package, so we thought we were paying off this aid in our new payment. However, we were recently blocked from selling our home to a buyer who 1 ) was qualified and 2 ) did not have a property to sell. We also received what we needed in the offer. That sell was blocked as the title company uncovered a XXXX mortgage in the amount of that same aid. Please pursue this matter with Wells Fargo. We are open to a fair and equitable settlement. 

Thank You, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I forwarded insurance proceeds from a barn fire ( total loss ) to Select Portfolio Servicing , Inc. because the check was made out to us and them. They were supposed to distribute the funds back to me in XXXX installments : 1 ) immediately for materials purchase ; 2 ) when inspection verifies project is half done ; and 3 ) when the project is complete. After XXXX months, I still do n't have a XXXX of my money. XXXX keeps coming up with forms I need to complete or processes they need to finish. The contractor will finish next week and I wo n't have even the XXXX installment to pay him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage is serviced by Caliber Home loans I tried to login today to make a payment because i am behind and it said my loan servicing is being transferred to XXXX  and i will be notified once it has been. it directed me to the XXXX XXXX site and they dont show my mortgage. neither company will allow me to make my payment even though i am behind and trying to avoid foreclosure. the XXXX  site says until i receive the letter regarding the transfer i should continue to make payments to my old company but they wont let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX XXXX - filing this complaint for my XXXX, XXXX XXXX. She appears to have been involved in some predatory banking with Santander Bank, N.A., XXXX. She is currently XXXX years old, was given a line of credit of {$100000.00} in XXXX on a home that was not worth that much, but my main concern is that she only had {$630.00} coming in via SSI with no other means of repayment. I do not think she understood that this had to be paid back, possibly she thought it was a " reverse mortgage ''. Plus already had a line of credit from XX/XX/XXXX with her Mother who has been deceased since XX/XX/XXXX in the amount of {$10000.00}. She has given my sister and I power of attorney so we can assist with this matter. My grandparents built this home in XX/XX/XXXX and had it paid off XX/XX/XXXX. I do not understand how she qualified for these monies. Now the bank wants us to put the property up for sale before they will foreclose. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX Work 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 2015-10-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I called Nissan XXXX to make payment I requested automatic payment they told me there setting up automatic payment they did n't set up automatic payment instead they put XXXX late fees on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
For the second time this year, my Capital One credit card has been compromised by a breach in a merchant system. In the first instance, I asked if Capital One could give me additional information for my own protection, as I would like to make a decision about whether and how I continue to do business with a merchant with potential security issues. They refused, citing an " ongoing investigation. '' Due to the circumstances, I was able to determine the merchant on my own ( family and friends ' cards were compromised as well ), and I was eventually notified by the merchant. I never received additional information from Capital One. This same problem has happened again, and while I realize there may be extenuating circumstances that need to be sorted out, I believe it 's a consumer 's right to know the identity of a company whose security was breached, potentially impacting their personal and financial information. Capital One informed me today that it is the merchant 's decision whether or not to make the information public and notify customers. What are my rights as a consumer in this circumstance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX my Capital One credit card account had an unauthorized charge of {$620.00} from XXXX XXXX and {$34.00} from XXXX. These charges were immediately disputed as fraudulent activities. Capital One has closed the account and reissued me a new account. But the same amounts from the same merchants were charged to my account repeatedly every month since XX/XX/XXXX until XX/XX/XXXX in spite the multiple attempts to change my account no. and credit the same amounts. I have spent multiple hours speaking to multiple agents in numerous occasion about this matter. On XX/XX/XXXX, they made a resolution and concluded that they were missing a credit of {$620.00}. But on XX/XX/XXXX, Capital One issued a rebill of the same amount they credited on XX/XX/XXXX. On XX/XX/XXXX, I made another phone call and requested a written explanation and/or computation about this long-drawn issue. According to Capital One they will escalate the said matter and give me a resolution and a follow up phone call within 72 hours. No follow up phone call was received nor a conclusion given. This issue has consumed so much of my time without any resolution. Despite several complaints, they have not resolved the issue in accordance with resolution prescribed by federal regulation. In my limited research I noted under EFTA ( reg e ), a financial institution is required to resolve the issue within 45 days. This has become a burden of mine for a year now. I have been a good customer of this company since XX/XX/XXXX and has been a responsible consumer since. I appeal to your good office to assist me finalize this matter once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated University  XXXX   XXXX  on  XXXX ,  XXXX  I had taken out a substantial amount of student loans to pay my balance, six months after graduation,  XXXX   XXXX  ; I get a lette r ( Works & Lentz ) an d I call company that implied they were lawyers reviewing my debt owed to  XXXX - I informed them I was seeking employment within my field of study and I was yet to get formal employment however all my   XXXX   debt was going to be consolidated.  Works and Lentz (   XXXX , Ok )  officer fai led to inform me this debt was due to a student balance I had with  XXXX  and that it did not qualify to be consolidated. I never heard from them again. Later I get paper work consolidating my debt and I assume everything is fine.   On  XXXX   XXXX ,  XXXX  I get a phone call from a  Works and Lentz stating  they are an attorneys office-officer told me they represent  XXXX  for this debt.   I explained to them all my debt is consolidated, they said not this one and that they 've had this outstanding debt since  XXXX .   I asked them why have n't I been contacted sooner, the lady said " this is your debt not ours ''.   I spoke to  XXXX  who can not inform me as to why they did not give me the chance to settle this debt with them. The week my grace period was over after graduation they just forward me to a collections agency.   I also ask them why d id Works & Lentz  contact me 1 year and 10 months after I first made contact with them ; the lady at  XXXX   XXXX   XXXX  said they are n't responsible to provide accurate contact information to Works and   Lentz.
I requested a letter from Works and Lentz-   they are charging me for just requesting the letter ( which does n't event give me an account summary, letter states I have to submit it in writing ). The letter is giving me 5 days to pay the balance in full.   What is the urgency, they have been the once that taken 1 year and 10 months to contact me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I paid off my XXXX XXXX account through Portfolio Recovery on XXXX XXXX, 2016 and after several ( XXXX ) attempts to get a Letter of Satisfaction, I have yet to get XXXX AND the debt is still showing on my Credit Report. I have called, emailed and mailed a request for a letter. Every time I call, they say that the letter will be mailed out and I should have it in a couple of days since I live within XXXX miles of the office. I feel that this is " NOT '' a reputable company and I am now out of over {$1500.00}. If I have to subpoena them to court, I am going to ask for my payment back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
[ XXXX XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ] Account Number : [ XXXX ] [ XXXX/XXXX/2016 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: WA
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: Was not notified of investigation status or results

Complaint:
I have disputed a few accounts with Experian. And the latest dispute, I sent them a letter with the following : This letter IS a formal procedural request for the method ( s ) used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation. They did not provide the requested documentation as required.

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