BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
THE INFORMATION ON MY CREDIT REPORTS IS FRAUDULENT AND AFTER DOING MY RESEARCH I FOUND DOES NOT COMPLY WITH THE FCRA MANDATES ON MULTIPLE VIOLATIONS THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INACCURATE INFORMATION.- ERRORS THAT INCLUDE INCORRECT ACTIVITY DATES, ACCOUNT STATUS, DATE OF LAST ACTIVITY, DATE VERIFIED, DATE OPENED THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INCOMPLETE INFORMATION. FIELDS THAT ARE BLANK, MISSPELLED NAMES, THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT UNVERIFIABLE INFORMATION. - NO BILL OF SALE WITH AN ACCOUNT NUMBER, NO CONTRACTS WITH MY SIGNATURE, IP ADDRESS, ETC FOR ALL OF THE REASONS STATED ABOVE THEY MUST CEASE AND DESIST REPORTING ALL ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: AMA Advisors, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was trtrying to see my loan on line and was told that I am blocked. From seeing it. Because I am delinquent on my loan and that it will only let me request lost Mtigation information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX and is requesting a foreclosure via Aldridge Pite LLP when it appears that approx. {$10000.00} of my funds paid and received as acknowledged by the Mortgage Servicer are unaccounted for in the escrow account. I want to know where the approx. {$10000.00} went. I do n't believe Aldridge and Pite LLP has been provided a true accounting of my mortgage balance or escrow account balance and are proceeding with a foreclosure based upon cooked books created by the mortgage servicer..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX I got this automatic message from the number above. She said they were from the Consumer Protection Association. They left a number to call and a reference #. 
I XXXX them and called them at their billing number. There was no answer. 
I checked my credit report. Harris and Harris Ltd. Checked my credit yesterday, just the day when the weird phone calls started happening. Why are they calling me when they do n't even say what I owe? I do n't have any outstanding payments that I know of. 
Please check into Harris and Harris ltd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A .Alliance collection Agency is continued to damaged my credit report because they said I owe them money that I 'm not aware of. They are stopping me from getting a home loan because of this issue. I sent this company a debt validation letter and they fail to provided me any proof. it has been longer then 30 days I gave them to respond back to me but yet no response. I am a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My XXXX XXXX debit card was hacked. The hackers used PayPal for 5 transactions. PayPal refunded me for 2 transactions but refused/denied for 3 transactions even though 2 of the denied transactions were to same person as one reimbursed transaction. Anyway, I did not authorize my debit card to be used for a transaction on XX/XX/XXXX for {$120.00} to XXXX or XX/XX/XXXX XXXX for {$82.00} ( twice ) to XXXX . You can see they aren't on my PayPal account, just showed up on my debit card account and obviously on someone else 's PayPal account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: NY
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see Attachement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 I ordered -item number XXXX smart phone from XXXX. Paid {$680.00}. 
I received it on XXXX XXXX, 2016 at XXXX. 
Delivered by XXXX On XXXX XXXX, 2016 ( Sunday ) I was charging my phone as usual ; I tried to turn the phone on and it would not activate. The phone felt hot to the touch, so I unplugged it. 
I then on XXXX called Home Shopping Network ( HSN ) to see what could be done ; The first customer representative told me they would replace it or work something out since I had not had the phone long. She said to call XXXX to see if their warranty would cover me getting my phone fixed or replaced and if they would not take care of The problem come back to Home Shopping Network. 
XXXX XXXX, 2016 called HSN and Customer Service rep said she would check- come back to the Phone and said they could not help me as I was past their warranty date I asked to speak to the Supervisor, XXXX and she said the same thing past my time with HSN . 
I went to the XXXX XXXX XXXX store to see if they could fix it and they could not Went to XXXX rep at the XXXX XXXX store and he could do nothing. 
As of XXXX XXXX, 2016, I still have no phone and I am out of {$680.00}. 
I called XXXX and was pretty much given the run around ; Sent the phone to them and Still nothing. Their Phone number is XXXX XXXX Texas . 
I have purchase a lot of product from HSN ( and for them not to try to help a long time customer is terrible, if can not get some kind of refund, or credit my HSN credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian did not take sufficient safeguards and that my data on their cloud was hacked, including my address, SS #, DL, etc. Experian did not send a registered letter, call me or email me as one would expect at such a major breach. Despite a XXXX tele # listed on the Experian letter, I was unable to reach a person or receive the free complimentary two year membership. Consequently, XXXX fraudulent XXXX accounts ( XXXX & XXXX ) were setup using my personal information stolen from Experian. Filed XXXX County Sheriff Police Report # XXXX. Called XXXX, File # XXXX, Pin # XXXX tele : XXXX, and spoke with XXXX XXXX & informed. 
Experian has not sent me a free credit report requested thru XXXX ( other XXXX companies have responded ). All attempts to contact them have failed. I am not sure if they are still in business. 
See attached docs.

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 2016-11-16
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX to Freedom Mortgage without my knowledge. I believe the transfer occurred in XX/XX/XXXX. I continued to make my monthly payments, on time, directly to XXXX as I always had. 

I made electronic payments via XXXX online billpay for the amount of {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX has stated that they forwarded those payments to Freedom Mortgage on XXXX, XXXX, and XXXX respectively. XXXX has assured me that all of those payments were forwarded electronically - not via paper check. 

Freedom Mortgage received the first XXXX payments and applied them to my account, but they did not receive the XXXX. XXXX has not returned the XXXX payment to me and has also repeatedly refused to provide any proof of them forwarding that payment to Freedom Mortgage. Freedom Mortgage has repeatedly assured me that they have not received that payment. Neither company is willing to contact the other to help me resolve the issue, even after weeks of numerous calls and emails to both companies. My mortgage account is now in default, and despite having an impeccable credit history my credit record is now in jeopardy. 

During every single call to XXXX I have asked them to provide a transaction ID for that third payment of {$1500.00} that they claim to have transferred to Freedom. They have refused to provide any unique identifier or proof of payment to help me locate this payment. XXXX stated that the only way for one to find out more information about this transaction is for Freedom to directly contact XXXX processing department. Freedom has refused to do that, and also refused to allow me to conference both companies onto the same call to resolve the issue. I 've launched multiple research tickets with both companies, and they have not made any progress in locating the missing payment nor disclosing any transaction information that would help me to do so. 

It 's also worth noting that I made my XX/XX/XXXX payment to Freedom by check to prevent any further issues with my account, but they incorrectly applied it to the missing XX/XX/XXXX payment. So while they are showing I still owe them for my XX/XX/XXXX payment, it 's the XX/XX/XXXX payment ( which I made on XX/XX/XXXX to XXXX via XXXX online billpay ) that either XXXX failed reimburse or forward that is currently missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Exeter Finance Corp.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX Buick Rainer on XXXX XXXX, XXXX. The amount financed for the Vehicle was {$16000.00}. Since XXXX XXXX, XXXX, I have been paying the sum of {$440.00} every month. To date, I have paid {$15000.00} and have been inform that I still owe {$10000.00} on the Vehicle. Since I got the Vehicle, I have been experiencing serious problem involving periodic repairs. This has been going on until recently, the Vehicle has broken down. The repair bill is over {$4000.00}, which I do n't have. I have tried to solicit help from the loan company, Exeter Finance, but they have flatly refuse to even listen to me. I asked for them to refinance the vehicle, but they told me to go to other Loan Institutions as they do not finance their own loan. I am writing this complaint to inquire as to what steps are available to solve this problem. I casn not continue to pay for a vehicle that I am not using. It is apparent that during the course of this loan, I have only been paying interest, and little or no principle. Please advise on how I can get help in this situation. Thanks for your anticipated help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

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 2021-06-27
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was locked and then closed after I received a deposit from the SBA treasury. I had this account for about 2-3 years, and get direct deposits every week. I called the bank a few days in advance to make sure that the deposit would get deposited because it was for {$10000.00}. I got the deposit Wednesday XX/XX/2021 at XXXX. I withdrew {$400.00} in cash from an ATM. At about XXXX I tried to access my account on the App, however it was saying my password was invalid. The next morning I tried to withdraw cash and was unable to access my account. I then called the customer service number and was told my account was locked. The representative couldnt tell me why. I made several calls and was only told that I have to write a letter to their compliance department and the address is a P. O. Box, which is very suspicious. I called back several times to get a clear explanation of what am I supposed to include in the letter and still nobody can answer me. I asked them if the issue was the deposit from the SBA, can they send the funds back to the SBA, and they told me that they are not able to do that. Can someone please help me get my money back or have the money returned back to the SBA. This is a crime. Ive been waiting for this money for over a year, and this bank basically is trying to steal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Loan Servicer is Caliber Home Loans. I wrote to them about understanding my options regarding a loan modification. I sent my question to them at the end of XXXX. My spouse heard from them on XXXX XXXX, 2015. Caliber staff refused to discuss modification options. They said once they have updated financial information, they alone will decide what options, if any, we have. Caliber has been difficult and rude. Under the present terms of our loan, we are supposed to assume a 20 year amortization. How can we understand our rights? I am XXXX and trying to assist my spouse in this matter. Please respond to XXXX of us at : XXXXXXXXXXXX XXXX XXXX XXXX ) and XXXXXXXXXXXX ( XXXX XXXX ). The home telephone number in Virginia is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Caliber Home Loans, Inc.
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband qualified for homestead exemption, and we have tried since XXXX to get Caliber home loans to readjust our mortgage payment. Nothing has happened. Trying to reach these people is horrible. You have to know ahead of time which division you need before calling. Their phone system is confusing and getting to a real person is time consuming. We have spent hours trying to talk to someone. We are paying {$380.00} more than required. Also, my husband likes to send extra money but they wo n't apply it to the mortgage unless it is a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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 2021-06-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Name of the debt collector, including name, address, and phone number : Wake field and Associates, Inc. 
XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX Please refer to account number XXXX. 

Wake field and Associates, Inc. 
XXXX XXXX XXXX  XXXX XXXX, TN XXXX Dear Consumer, Financial Protection XXXX XXXX CFPB ) I am responding because I have made a complaint regarding Wake field and Associates, Inc. about collecting a debt that is fraudulent. 
I do not have any responsibility for the fraudulent debt Wake field and Associates , Inc. is trying to collect. 

If Wake field and Associates, Inc. have good reason to believe that I am responsible for this debt, mail me all the documents clearly with my signature agreeing or consenting for treatment/bloodwork, insurance claims, etc. 
Just as my last complaint to CFPB, I have asked Wake field and Associates, Inc. to stop all communication with me and with this address per 15 U.S. Code 1692c - Communication in connection with debt collection, and record that I dispute having any obligation for this debt.

If Wake field and Associates, Inc. stop the collection of this debt, and forward or return it to another company/debt collector, please indicate to them that this fraudulent debt is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is fraudulent/disputed. 

Wake field and Associates has engage in egregious violations of the law, including phantom debt collectors by obtaining my personal information through a variety of means and then contact those/me and claim I owe a debt, when in fact the debt is entirely fraudulent/fabricated or is otherwise not owed to the collector. Wake field and Associates Inc. Uses abusive debt collection practices by placing questionable debts on my credit reports without first communicating with me about the debt. 

Wake field and Associates does NOT adhere to a number of laws and regulations, which govern topics as diverse as telephone communications ( e.g., the Telephone Consumer Protection Act, or TCPA ) and furnishing information to credit reporting agencies ( e.g., the Fair Credit Reporting Act, or FCRA ) as well as various state statutes. Wake field and Associates harassing, oppressing, and abuse me the consumers ; ( 2 ) utilizing false, deceptive, or misleading representations or means when collecting or attempting to collect ; and ( 3 ) using unfair or unconscionable means to collect a debt Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: AAS Debt Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had closed a checking account on XXXX/XXXX/14 with a XXXX dollar balenceand i tried to withdraw this and the bank said they did not owe me. 
i received a letter from XXXX saying i owe them XXXX! 
they put this on my credit report after i tried to resolve the issue with them. i found this out after i had applied for credit and was denied. they also stated that i closed the account on XXXX/XXXX/2014 in wich someone had just scribbled in on the statement they had sent me. i have the original statments from the bank proving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Blitt and Gaines p.c is saying I owe this amount to XXXX MasterCard. I asked for proof that I owed it on XX/XX/2021. On XX/XX/2021 they sent a letter stating.we expect to complete our review and any research my XX/XX/2021. On XX/XX/2021 they sent a letter stating they need more time for research. And since then I have received letters every month stating they need more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Nationwide Recovery Service has debt reflecting on my XXXX credit report that I was told is a medical bill. I was never contacted in reference to nor do I know what this debt is for.

Company response to consumer: Closed with explanation