BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Asset Management Outsourcing, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a call and they had my name, address and date of birth wrong. They would n't identify who they were but when I called back and asked for supervisor she, XXXX, told me they were skip tracers. She was very reluctant to even tell me the name of her company and got pretty smart with me. I asked her if she was a repo company and she said no. So i asked why they called and she finally said collections. I asked for what and she told me a medical bill. I told her I disputed it. And she told me that she could see I never received any bills because all the information was wrong. I asked what happens from there and she has not answered me. I have no idea what to do from here. I have never received a bill or letters. I would pay the bill but it should n't be on my credit. They have been mailed incorrectly and that 's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Almost 8 months ago I've changed my personal PayPal account to business account to receive online payments on my website. 

At the time I had no other way of receiving money for selling my online products. 
Overall I've used PayPal for almost 4 months and during this time PayPal limited my account more than 7 times which XXXX of them were total limitation which means not being able to receive money on my account as well. 

So through this whole time I've gave them multiple documents, receipts, screenshots, customer 's satisfaction letters, .. etc, and every time after reviewing my documents and data they restored my account and lift the limits. 

So finally on XX/XX/2021, while my account was fully active and functional all of a sudden without any explanation I received an email from PayPal saying, we decided to permanently limit your account and if any funds in your account will be held for 180 days. 

At the time I had ~ {$2500.00} on my account. Still i can not use my account to spend or receive money and nothing works and i can not directly talk to PayPal anymore using the message center under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father ( deceased ) had a reverse mortgage on my childhood home. After he died the mortgage company ( Financial Freedom ) said that I, as legal heir, would be allowed to purchase my father 's home for 95 % of its fair market value. They sent an appraiser who took a photo of the front and rear of the house and added a {$450.00} appraisal fee to my father 's account with Financial Freedom. The appraiser never even came inside ( my family and I were living in the home at the time of appraisal and were in fact living with my father before he died ). The appraisal came in at $ XXXX. The $ XXXX was very near the assessed value posted by the board of assessors. I suspect that some percentage of the assessed value was used in lieu of a real inspection and appraisal. This phony appraisal meant {$120000.00} to me using the 95 % figure. I told Financial Freedom that the property was not worth {$120000.00}. This was confirmed by a real estate agent, and friend, who lived next door. I told Financial Freedom that I wanted to get my own appraisal and they said only their appraiser could be used. In XXXX 2015, my father 's property was sold for $ XXXX to a total stranger. I feel completely cheated by this dishonest appraiser, Financial Freedom and XXXX XXXX ( the buyer at auction ). My real estate neighbor predicted that they would be very lucky to get $ XXXX for the house. How right she was. My husband is a veteran and has access to a VA Loan. We would have gladly purchased my father 's property for the $ XXXX ( real fair market value ) but were never even notified that they would sell it for $ XXXX less than they originally told us. Completely unfair and immoral and criminal in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent accounts and inquiries are furnished on my consumer report without my written permission as a result I'm a victim of identity theft. As a consumer I have the right to privacy of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
So as I stated in my previous complaint these fraudulent student loans are reporting late payments mind you they are fraudulent. Experience has recede my police report I still have the police report number which is XXXX with the XXXX police dept in XXXX, ny XXXX phone XXXX XXXX. I lost my ID and a multiple years ago I never thought to make a police report until I'm trying to get my 1st home in I noticed that there were student loans which were deemed fraudulent. I have been trying to resolve this matter for over 4 months XXXX has been compliant in the removed every account from my credit report XXXX & Transunion are the only fools who are non compliant as of right now. Please I'm begging you. HELP ME

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 2017-04-05
Company: Park View Credit
State: MI
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
i was tolled i would have a credit score of XXXX at the end of six months.by the Customer Support Specialist worked on my case. which she no longer works their.. in fact they lowered my score ... nothing changed. they keep disputing things that i was paying on like my car payment, my credit card, etc. they company is parkview credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX changed over their billing system in XXXX, 2016. Because of that change, they were late in mailing their bills. Once I received mine and verified the balance, I paid it. Due to the ineptitude of XXXX XXXX 's financial people, many people, such as myself, were sent to Convergent Outsourcing for collections actions. On the date of the letter from Convergent, my balance with XXXX XXXX was {$38.00}, not the amount stated in Convergent 's letter of {$860.00}. XXXX XXXX, due to their error, should not have sent me to collections, but due to lack of competent oversight, my account was sent out. Convergent Outsourcing did not do their due diligence in accepting my account from XXXX XXXX, as my account with XXXX was current and they had an incorrect balance in the letter. Another red flag that Convergent missed was a sharp increase in accounts referred from XXXX, which should have alerted them to the fact that something was wrong at XXXX XXXX. Since my account with XXXX was current at the time of the calls and letter, I consider the calls & letter to be harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2016-09-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a real estate working on a short sale for an XXXX borrower who is currently in a XXXX. I began working on a short sale XX/XX/2016 with Wells Fargo. Throughout the entire process, Wells Fargo has failed to communicate. They have made the process as difficult as possible. For example, it took over a month to get an authorization letter approved because they would n't accept the borrower 's power of attorney from her daughters. She is unable to make financial decisions and care of herself ( hence why she 's in a XXXX ), but Wells Fargo insisted I obtain an authorization letter signed by her. In the mean time, we wasted over a month. Then the file was closed out without anyone being notified even after I repeatedly called and emailed my negotiator. A foreclosure sale date letter was mailed to the home which is vacant ( again, the owner is in a XXXX ). And so neither myself or the owner 's children were notified properly. As it now stands, we have a solid cash buyer with at a fair market value price. There is no reason this short sale should n't be approved ASAP.

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 2021-12-21
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EMBRACE HOME LOANS
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I was only refinancing my home and XXXX acers and when it was said and done the mortgage company had gotten the title to my farm and tied all of my land up. My mortgage is with embrace home loans out of XXXX, NC

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is sending me notices on a debt I do not owe. I requested validation and received which clearly states I do not owe. Please see attached. I would like them to cease all collections and remove this remark

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CMRE IS IN VIOLATION OF SOL, FCRA, FDCPA AND TCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I hired a reputable company to help " clean up '' my credit report in XXXX 2016. A collection account was disputed and was taken off my credit reports. It has now been reinserted with a new open date of XXXX 2016 when this certain collection was over 6years old. The collection company being used is now called Convergent Outsourcing Inc . It 's a collection account through a XXXX. This was never verified in a timely manner according to Fair Credit Reporting Act so legally, it was deleted from all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife received a letter from an alleged collection agency informing her of a {$140.00} XXXX dept. She was offered a settlement payment of {$29.00}. We have never had an XXXX account. I XXXX the company name and learned of several consumer complaints who reported being in the same position as my wife. Some of the consumers reported phoning the company, where they were either informed that there was no dept. or told of the dept in a threatening manner. Complaints of returned calls from the company harassing/threatening were reported. For this reason, we have not made contact with the company, choosing to, instead, to pass this info on to you. It be important to note that my wife and I are senior citizens, retired and living on fixed income. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing this complaint do to the fact that AMR is double reporting an alleged debt by falsely changing account numbers to where it appears to be XXXX different debts. These tactics are not allowed in the fair debt collection for alleged debt. Falsification to inflict harm to a consumer will be met with legal action against AMR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi I refinanced in XX/XX/XXXX, BSI Mortage company is impossible to reach, when I do I get a different person and have to explain everything that happened since XX/XX/XXXX again and again. I contacted the company that did my refinancing to get help and they were able to get someone to call but that was XX/XX/XXXX and have n't heard from them since, numerous calls, phone messages left at ex XXXX and company mainline, emails all go u answered. 

Since XX/XX/XXXX when i changed home owners ins. My payment has n't been correct, numerous calls to old and new home owners to ensure that I was insured and I am, but now I 'm over paying my payment, paid my shortage in XX/XX/XXXX and it went higher. Now that I did all the leg work to fix my homeowners .I have a Check for BSI for return because I had to reach my old homeowners that they paid due to incompetence. Now I 'm getting letters stating that I need to update my homeowners from BSI. 
I just do n't know where to turn now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgaging Service has lost four of my payments from the Cares Act program. The first payment was made end of XXXX. The check was cashed XX/XX/XXXX. The second was sent XXXX the third in XXXX. They have lost all the checks or applied to someone elses account. I have conferences call Shellpoint with the Cares Act people twice. I have called Shellpoint since XX/XX/XXXX almost every day with no resolution. I will now seek an attorney

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX and XXXX XXXX, two large transactions from unknown origins to me have been posted to my business account. When I contacted Chase, I was instructed to file claims - which I promptly did. Even though I explained to them that some of the trials transactions will give rise to someone withdrawing monies from the account, but the bank did not stop that from happening. Now, that monies in the amount of {$19000.00} have been UNAUTHORIZEDLY taken from the account, the bank refuses to reverse these transactions. In fact, I walked into a branch yesterday to try to resolve the issue, I was kicked out and told to never walk into that branch anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We went to Tennessee  and attended an event about timeshares. The even took forever and they consistently lied in order to make you stay longer and until you signed a document it felt as though you were in prisoned with no other choice and no ability or time to even think. Once we were out of there we called the next day after realizing that they lied to us about any and all of the dates they claimed were available to us if we signed up, " they just couldn't see it at the time, '' this was a lie as in fact I was able to see they had nothing avaible for the requested dates the same night we left. I immediately called and canceled all of it and even sent a certified letter stating this as well After arguing continuously with them they finally said they canceled it all and I have never heard anything other than that, except recently with something on my credit report saying a delinquency on an account and even my credit report I see, doesn't have it, but once requesting my credit reports through annualcreditreport.com, it showed up and I was able to see it. I have no balance with them and lost {$300.00} with them and did not even get the " free '' vacation that was mentioned if you just attended the event. 
This company is nothing but a scam artist and needs to be shut down.

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 2015-08-18
Company: Credit Protection Association, L.P.
State: PA
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:
XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a Bank of America customer, and I used my debit card for gas and there was {$1.00} hold placed on my account. When that transaction finally posted for the full amount, the bank rearranged the order of all my recent transactions which caused my account to look like it was overdrawn and then charged me a {$35.00} overdraft fee even though my account had plenty of money in it. At the beginning of the business day on XXXX/XXXX/15 my account was fine and when I informed the manager that the over draft jus showed up today he stated that the account was overdrawn on the XXXX/XXXX/15 but I just could n't see it. I believe this is an unfair business practice. To rearrange the order in which things post and then not even make it visible to me so that I can properly manage my account makes me feel like I 've been robbed. This should be fraud. This is the second time now they 've don'e this to me and they refuse to refund my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation