BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for it. Transuion even has it listed as a terminated account.

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 2021-07-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have held a Citi Credit card since XXXX, never been late, nor have exceeded my credit limit {$30000.00}. Sometime in XXXX, I decided to enroll in Auto Pay- Citi Card will withdraw the minimum payment due and I will add an additional payment to keep my credit card account balance low - I've been looking through out my XXXX  XXXX XXXX checking out account to find exactly which date this incident took place, but Citi withdrew the minimum payment due to them, pursuant to the credit card agreement and I had signed up to allow Citi withdraw an additional {$2500.00} from my XXXX  XXXX XXXX account , I review my XXXX  XXXX XXXX statement, and did not notice Citi had withdrawn such an amount, so I paid an additional {$7500.00} online, a day after, I reviewed once again my XXXX  XXXX XXXX checking account balance, and noticed that in fact, Citi had got paid {$2500.00}, so, I decided to make a stop payment for the unnecessary extra payment in the amount of {$7500.00}. The following month, I received a letter from Citi - cancelling my credit card account, I have spoken to everyone there, had submitted letters along with proof of bank statements, and still, they reject my version.. It is sad that a card issued in XXXX, and a customere who have never been late on his obligation with Citi, had been treated unfairly by this bank, I even lost my XXXX card, and my XXXX XXXX XXXX XXXX XXXX, because they were connected to such card ... I am formally filing a complaint with the hope that you guys with help me out ... .Cordially, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: TN
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 TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN XXXX AND EXPERIAN PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.

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 2016-05-02
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
After reviewing my credit report I notice a foreclosures from a mortgage company called Caliber Homes that I never heard of or had a mortgage with! The only mortgage I have had was through XXXX mortgage. I then realized there were XXXX foreclosures from the same property. My wife and I went to court and lost our home to XXXX in 2013. 

I submitted a dispute with the credit bureau regarding Caliber Homes and requested the name, address and telephone number, of who they contacted in order to verify the information. I informed them that I was putting a file together of all names, titles, and documents. This would provide me with legal documentation if I need to take this to court. 

. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I went to the county court and got a copy of the foreclosure all documents had XXXX. I spoke with the staff at the county court and they also could not understand how a company could place a foreclosure on a credit report without taking them to court because XXXX is a judicial foreclosure state. 
I 'm demanding the Caliber homes remove this from my credit report. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Credit Appentance more then once regarding my late payments from the year of 2020. I explained that I was effected by XXXXThis is not a good company. I will not recommend anyone to use them. When you call the customer service representative is unprofessional.

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 2022-11-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello I sold my property located at XXXX XXXX XXXX XXXX NY XXXX back on XX/XX/2022. Weeks Prior to closing I had contacted PennyMac to advise them that I was selling the home and not to pay the school taxes due at the end of XXXX because the new homeowner would be paying them at closing. 
Penny Mac however didnt listen and proceeded with paying the school taxes. I have been trying to work with PennyMac now for over a month to get my money back for the taxes that they paid. I confirmed with the school tax office that they sent the check back over a month ago. Penny mac blames it on XXXX, who handles their taxes however this is Penny Macs 3rd party vendor, however they hired them to do this function so its ultimately on Penny Mac to better manage that relationship and figure out what is going on. 
Where I moved to was hit directly by Hurricane Ian and therefore I am in a disaster area. We really need our money thats due to us for repairs to our home. 
Thank you for your help in resolving this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX   XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans. 

As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay. 

Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing. 

This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery calls numerous times a day until late in the evening, past XXXX CT. I do not have any credit card debit in collections and this company is ruthless and incompetent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I originally opened a credit card with XXXX XXXX in XXXX. The account was charged of in XXXX. On my recent credit report I see that the account was transferred to a collection agency that shows my account opened in XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I receive notice that I had a new address on my credit report and it was across the country in XXXX Im in XXXX never been there I called because I was getting calls I signed for something and my XXXX been hacked and my Experian account been hacked that day and I need to reset my password so as I learned about the address they said XXXX account was under that address then they said I had to verify my account he said I didnt and they will send me something weeks later I get a credit report with the wrong middle name then found out Im in XXXX data breaches XXXX  and credit bureau and Im dealing with someone then I have a school on my credit report around the time they stole my information and ran up my debit card yes of this is to much I have credit cards and accounts seems high not sure all them changes is mine please get me out this mess find out who has my information and why am I getting so many breaches

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 2022-11-12
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Case ID XXXX Disputed amount {$310.00} USD Transaction ID XXXX Transaction amount {$310.00} USD Transaction date XX/XX/2022 Seller name XXXX  XXXX XXXX The merchant, XXXX XXXX XXXX, agreed to comply with the dispute, acknowledging the grounds for the dispute ( the merchant had sent an item that was significantly not as described ). The merchant had not provided a return label as a part of the dispute process. PayPal wrongly continues to hold the consumer liable for an incorrect product delivered by the merchant, which goes against consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting constant calls from Portfolio Recovery Services. I do not have any old debt. They never leave a message. I researched the numerous numbers they use to contact people and I do not answer the phone because it appears from the research that this company is not creditable. I just purchased a house, so I know my credit report is clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I mailed several cease all contact letters to this Credit Collection Agency, but they have failed to honor my request to not be further harassed by telephone or via letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is attempting to collect on a debit they purchased from XXXX XXXX. They claim the account number from XXXX XXXX is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with XXXX XXXX ended in XXXX. I paid the account in full XXXX of 2013. XXXX XXXX failed to properly record my payoff. XXXX XXXX tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to XXXX XXXX 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). XXXX XXXX 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet XXXX XXXX sold XXXX of the accounts to Portfolio. How many times must I be harassed over a paid account? 
I wrote Portfolio after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If XXXX XXXX 's counsel failed to notify XXXX XXXX of the law suits outcome and or XXXX XXXX failed to notify Portfolio that is not my problem. 

Portfolio has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was removed in XX/XX/XXXX, and the same debt was added again in XX/XX/XXXX. I do not know anything about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that when I traded my car in, the company did not pay you in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CITIBANK, N.A.
State: TN
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:
Amex/Citibank , N.A customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.

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 2016-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I did a VA Refinance by XXXX - a California Corporation on XXXX. By XXXX, the mortgage was sold by XXXX to PennyMac - ( PennyMac loan number XXXX ). My first payment to PennyMac was on XX/XX/XXXX. XXXX Mortgage and PennyMac required that my Hazard Insurance and Property Taxes be paid through an escrow account. My payments were all made on time and included the requested escrow account amounts. However, PennyMac ( XXXX ) did not pay my Hazard Insurance with XXXX. By the time I saw correspondence related to this issue, I could no longer reinstate my cancelled insurance policy and was forced to re-apply for a modified policy ( some policy provisions were no longer available ). Upon the initiation of a new policy, it was paid by the PennyMac escrow and I was assured that an accounting would be done and I would receive a refund as appropriate. The amounts due, from XXXX perspective, were not paid for the period of XXXX until the policy was cancelled on XX/XX/2016. The new policy was in force on XX/XX/XXXX, leaving a period of XXXX and XXXX wherein my house was not covered by Hazard Insurance. 
I have needed, so far, to spend over 10 hours of my time on hold or speaking with someone at XXXX Mortgage, PennyMac, XXXX, and the XXXX collection agency - XXXX. The problems that I can not get resolved are as follows : 1 ) get PennyMac to pay the currently due amount of {$300.00} for the collection account with XXXX XXXX XXXX for the period they failed to pay for Farmers Hazard Insurance policy ( XXXX through XX/XX/XXXX ). A " supervisor '', XXXX, did call and leave a message that there was no money due from XXXX the bill was probably a " scam ''. So, I called her back and left a message explaining that she probably inquired about the current policy number which is paid - not the policy that was cancelled due to the failure of PennyMac to make the required XXXX payments ( the policy numbers are cancelled=XXXX, new=XXXX ). 2 ) I received a demand notice from PennyMac for {$19.00} to cover the XX/XX/XXXX to XX/XX/XXXX period because I did not provide " proof of coverage '' - which is ridiculous since they are the cause of the problem, and 3 ) be paid the remainder of the refund I should receive since there was a two-month period with no Hazard Insurance coverage ( it should be about {$100.00} ). I did receive a check in the amount of {$87.00}, which is less than one month of the cost of the prior cancelled policy. 
This problem has been going on for more than a month. I own and run a small business and should not have to waste over 10 hours of my time resolving a problem that was caused by PennyMac and/or XXXX Mortgage. When I first looked at my PennyMac Escrow and Hazard Insurance information online, it had the correct old policy number and annual amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning, My complaint is against Select Portfolio Servicing , Inc . 
Since XX/XX/XXXX I've had homeowners on my residence, my homeowners insurance expires XX/XX/XXXX of XXXX. Prior to XX/XX/XXXX I had forced insurance on my residence via SPS. Once I secured my insurance for the year SPS should have stop the forced insurance. They did not instead they placed hazard insurance on me/mortgage of {$2500.00} per year which comes out to {$200.00} per month. How many different insurances do I need for a townhome? The HOA has what's known as a master insurance on all units? so why am I paying for Insurance I don't need or require? All this was explained to SPS yet they still chose to ignore my complaint. My insurance provider sent SPS a copy of my insurance and they acknowledgement receiving it but still continue to charge me for hazard insurance. From the month of XXXX until current XXXX SPS owes me {$200.00} x 6 months = {$1.00}, XXXX I would like my money refunded and not have to continue to pay hazard ins. there is also the matter of when my mortgage was modified my attorney advised then then mortgage company to take the PMI off my mortgage. SPS fail to do so. So from the time they were advised to take off the PMI I would like that money back as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2015 I was sued by Portfolio Recovery Associates. I went to court and was ordered to mediation. At mediation, the attorney for Portfolio and I agreed on a settlement, to which I had 30 days to pay. I paid the debt in time. 
Portfolio will also confirm that it was paid in XXXX 2015. Every single month Portfolio reports to the credit bureaus that the debt is valid with the original balance. Every month I have called, spoken to their dispute department and was told they would take care of it immediately. It has yet to happen. Last month after months of inaction on their part, I disputed the charges with all XXXX credit bureaus. Portfolio in turn sent debt validation, validating the debt in writing to me and to all XXXX credit bureaus, 6 months after it was paid in full. I just spoke to them again, told them they are in violation, and they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.

Company response to consumer: Closed with explanation