BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: Seterus, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Seterus continues to contact me after many months ago I notified them via the CFPB to stop contacting me until they can provide legal documentation regarding their servicing of the account. They have provide every document except anything that is any way legal and regarding the ownership and servicing of my mortgage. I have asked them several times to stop harassing me and have asked for the proper documentation multiple times as well and they continue to do nothing but harass me. 

I would also like the add that I never provided anyone my cell phone number regarding this account. XXXX 'farmed ' the number but assured me via the CFPB that they had removed the number from the account so I would also like to know how Seterus acquired my well protected personal phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Equifax and XXXX conspire together trying to collect DOUBLE of an ALLEGED debt!!! 

XXXX XXXX XXXX {$4400.00} {$4400.00} XXXX accounts reported on XX/XX/XXXX XXXX accounts reported on XX/XX/XXXX Open Account # XXXX {$1000.00} Balance XXXX XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note You recently filed a dispute for this account. 

Check Status Open Account # XXXX {$1000.00} Balance XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note See something wrong? 
You could dispute an error with Equifax. 

CAN I SEE THE PERFORMANCE CONTRACT WHERE THEY ALL CONSPIRE TOGETHER,?? WHO IN THEIR RIGHT XXXX MIND WOULD PAY THOUSANDS OF DOLLARS TO THESE XXXX CRIMINALS WITHOUT SEEING A VALID CONTRACT???? I NEVER SEEN SO MUCH XXXX IN MY LIFE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Paypal Holdings, Inc
State: MN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2014 Paypal " limited '' XXXX of my accounts with them, which is a friendly way of saying they locked the money in them and wo n't give me access to it. Although they refused to explain why they did this, they did tell me that my money would be available 180 days after they " limited '' my accounts. Now that 180 days has passed they 're still not letting me withdraw my money. I have {$1000.00} locked away in XXXX account and {$990.00} locked away in the other account. Can you send them a friendly reminder to follow their own terms and conditions and release my funds to me?

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 2017-04-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my   XXXX   credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.

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 2016-02-04
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got a rejection letter from XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a DOFD letter to Equifax on XXXX/XXXX/16 via certified mail that was received by them on XXXX/XXXX/16. I have not received a response and, therefore, according to FCRA such items should now be removed from my report. There are several inaccuracies in this credit report including : 1 ) A collection account showing with no creditor name, 2 ) Various student loan installment accounts showing as opened that have been closed for multiple years and 3 ) Student loan accounts that are currently paid as agreed showing as collections. 
As these disputed accounts have not been investigated and responded to within the 30 days allotted by Federal law, according to FCRA, I am respectfully requesting that all items on my DOFD dispute letter dated XXXX/XXXX/16 be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
One of the addresses on my report ( XXXX XXXX XXXX XXXX, KY XXXX ) is incorrect. I do not reside there, nor have I ever lived anywhere near KY. Please see report attached, and have it removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In mid  XXXX   XXXX , I responded to the Bank of America 's {$300.00} cash bonus offer to open a new checking account with them. The offer requirement was to open a new checking account and make direct deposits totaling {$4000.00} or more within the first 90 days of opening the account. I opened the checking account on    XXXX   XXXX   XXXX   and satisfied the  requirement within 30 days ( direct deposit of pension payments from TIAA ). In lat e   XXXX   XXXX   XXXX   I ca lled BOA customer service to inquire about not seeing the posting of the {$300.00} bonus, the agent confirmed that I had met all the requirement and that he bonus was " in the processing stage. '' She advised me to be patient and check back in another 30 days. But after another month I still did n't receive the {$300.00}, so in early   XXXX   XXXX   XXXX     I called the BOA customer service again about it, and this time the agent told me the bonus is still " in processing. '' Once again she confirmed I have met all the requirements but she said the waiting period is 90 days after meeting the requirements. She assured me the bonus would be posted after  XXXX   XXXX  and told me to be patient for a little longer. But  XXXX   XXXX  passed and still i do n't see the bonus. I called the customer service on    XXXX   XXXX   XXXX   again , only this time i was told that my bonus was denied! They claimed that I have not made the direct deposit. I just ca n't believe this! After more than 4 months of assuring me that i have met all the requirements and that my bonus was on the way, now suddenly change the response?? And per their promotional term , 3rd par ty agent payments such as gov't and pension payments are part of the qualifying direct deposits. If they do n't mean what they say, what were they trying to do? Intentionally lying or false advertising to lure and deceive the consu mer?!

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 monetary relief
Consumer complaint received 2015-11-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXFederal Consumer Protection BureauTo Whom It May Concern : XXXX XXXX 2014 XXXX Mortgage sold my mortgage to Carrington Mortgages Services XXXX. From the mortgages Origin to this date I have never been late or missed a payment. 

Recently I have tried to refinance some of my properties and having pulled my credit report my Banker noticed in the comment section of all three agencies " Mortgage in Forbearance '' I called Carrington to find out why this was on my credit reports and I was told I had to make a written request for an investigation. I asked to speak with a supervisor to explain why they could n't tell me why a mortgage that has never had a payment missed would have such a notation on it. After being put on hold for 15 minutes the attendant said to me that there were a number of mortgages recently bought that had errors noted on the reports. He said I would be receiving a letter explaining this and the credit reporting agencies would be updated with that correction and removal of the erroneous comment. I asked for an email of the letter and was told they could not do thatTwo and half weeks have passed with no letter in the mail. I called today and was told I would have to send a letter requesting the letter they said they would send 2 weeks ago. 
I flat out refused and asked to speak to a supervisor. Again being put on hold for 15 minutes the attendant came back to say that he sent the request to the document department and I should be receiving the letter or their error in several days. 

Since my first contact with this company I have been treated like some kind of deadbeat. First by their greeting on the phone of " We are a debt collector attempting to collect a debt '' and subsequently their comment on an otherwise pristine credit report. XXXX times after asking to speak to a supervisor the attendants returned to say I did n't have to do what they insisted I do to get an answer in the first place. 

This is no way to treat a customer and to do fair business. My hope is that Carrington Mortgage Services is reprimanded for their failures to service me as good customer, treat me fairly and with respect. Needing to demand to speak to a supervisor is no way to get simple requests like an explanation or a letter explaining fault. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Flagstar Bank, N.A.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in default of my mortgage, and since i was not able to keep up with the payments due to some unforeseen circumstances, they offered me to do a loan modification. I finally went ahead and did the modification ( even tho I was skeptical about it ) but in the process they said i would still have to make payments on my home so i would not lose it while being considered for a loan modification. I took a loan out on my XXXX OVER XXXX and flagstar said it had to be a cashiers check, well I followed every instruction that was given to me at the time, but no one ever said it is in underwriting and had then been approved until i applied the cashier check to re-instate the loan. Come to find out, I was not suppose to re-instate the loan while under a modification. my contact person said it would be okay, just keep paying the amount of the loan modification and once the trial period of XXXX months the modified loan will be determined and papers would be sent out with the new modified permanent rate, I would need to sign them once I get them and return them as soon as possible.. I paid it as instructed, this was from XXXX of 2015 until XXXX 2015. When I called loss litigation to make a payment for XXXX 2015, the rep said I have re-instated at my initial mortgage amount that I was never told about via phone or mail, email. this is an amount I am unable to pay due to my financial status, not one time before i made the lump sum payment after taking a loan out, was I told not to do so, that it would reinstate me and cancel my loan modification. now I am not sure what is going to happen. I feel i was miss-informed or better yet not informed on what not to do as oppose to what i should do. i may lose my home and plus have almost depleted my XXXX because of it. on top of that included in the fees I had to pay the late fees, which would have been forgiven if i was instructed not to pay the lump sum, and paid the attorneys fees the went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
To whom it may concern, I XXXX XXXX, sent a Cash App, to a friend of mine, in the amount of XXXX on XX/XX/22. However, the transaction was never completed, my relative never received the funds. I contacted Cash App, they haven't been able to help me in locating the funds. I have been communicating with them via of chat. I contacted my bank, which is connected to the checking account, where the funds were taken from. 

So far i have not been refunded anything from Cash App, the Cash App, website is still showing a pending message, they are trying to indicate that my friend recieved the funds. 
However, they are not saying where the funds were transferred to.The funds should have been received by, XXXX XXXX bank, that is where my friend has her account with.The funds were sent from my checking account, with, XXXXXXXX XXXX. 

Cash App XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This is my second complaint against Credit Acceptance Corporation and their continual use of harassing behavior. I am a customer who has never sent a payment 30 days late since I obtained the loan with Credit Acceptance on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Credit Acceptance detailing their intention to repossess my car. The letter was sent from them on XX/XX/XXXX. Here lies the inconsistency. Credit acceptance sends the letter on XX/XX/XXXX and the coupon book that I have in my possession states that if a payment is received after XX/XX/XXXX that I will be assessed a late fee which implies a grace period. On XX/XX/XXXX, I paid my car note in the amount of {$330.00}. I have advised Credit Acceptance continually of my intent to pay and I have been a loyal paying customer since XX/XX/XXXX. I have requested a copy of my late fees, which I am not in agreement with, from Credit Acceptance which I have never received. I believe Credit Acceptance is harrassing me in retailiation of my first complaint to Consumer Financial Protection Bureau Agency. There is not reason for them to have the intent to repossess my car when my track record shows my history of paying them. The past due amount stated on the notice is {$370.00} which includes my monthly payment of {$330.00} which was paid on XX/XX/XXXX and {$49.00} in late fees which I requested documentation for and never received but paid on XXXX. Please stop the harrassing behavior. Companies do not send letters of intent to repossess a car that payment is not 30 days late unless the intent is to harrass. Since the history of my loan with Credit Acceptance my credit report shows XXXX for no late payments which they indicated so why would they want to repossess my car. CFPB, I need your help to stop this harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I received a loan from XXXX for XXXX in XXXX XXXX. I had paid them XXXX by XXXX/XXXX/XXXX yet they still showed me as owing the XXXX balance. The legally allowed interest rate in CA is XXXX per XXXX borrowed, which would have been a grand total of XXXX legally allowed. I wrote them on XXXX XXXX revoking my ACH authorization as they have now been repaid the amount legally allowed. This morning that again deducted XXXX, meaning they have taken XXXX, as well as still showing me owing XXXX and ignoring my letter revoking ACH authorization.

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 monetary relief
Consumer complaint received 2016-01-07
Company: DISCOVER BANK
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I followed all the steps and fulfilled all the conditions laid out by Discover Bank. They also communicated verbally with the confirmation # and later via email communication. First they said bonus will be paid on XXXX/XXXX/XXXX. Later they said by XXXX/XXXX/XXXX. But till now no bonus ( {$100.00} ) has been paid. 
Please refer to the CFPB cases : Case number : XXXX Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Calling leaving messages asking can i pay this debt, i honestly thought my insurance covered this matter i was supposed to have insurance through the marketplace XXXX but they said my insurance did n't go through. I was paying my insurance but they said my information was n't complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief