BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12   XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX 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 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, PORTFOLIO RECOVERY ASSOC, PURCHASED AN ALLEGED DEBT FROM ANOTHER COMPANY WHERAS I HAD NO INVOLVEMENT IN THAT TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME IS NOT ME BUT ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX XXXX. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH PORTFOLIO RECOVERY ASSOC. I KNOW THEM TO BE A DEBT COLLECTOR MEANING THEY MUST ABIDE BY THE FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, & XXXX on the PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. I demand this account be removed from a collection status and reported as paid in full or pay {$350000.00} for every minute this account has been illegal reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My initial complaint ( # XXXX ) was responded to me by US Bank. In their response to me they state in paragraph 2 " This fee would have also been removed if the dealership had purchased the vehicle from US Bank at the end of the lease term. Our records confirm that the dealership did not purchase the lease vehicle, and it was returned to the possession of US Bank. '' ( I have attached a copy of that letter ). I am also attaching a copy of my sales receipt showing that the vehicle was " traded-in '', a copy of the payoff sheet to US Bank, and a copy of the check payment made to them from the dealership. The documentation I provided clearly states that US Bank was not truthful in their correspondence to me and I would expect a refund of the {$20.00} payment that I did make to them in good faith while waiting for reconciliation of this matter.

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 2020-04-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX, approx XXXX XXXX, I called my mortgage servicer, Freedom Mortgage, regarding starting a mortgage forbearance program based on COVID-19. I spoke with a representative, XXXX, who told me to I needed to apply for the program using an application provided on their website. That application can be found by following this link. 

XXXX : XXXX I told XXXX that I didn't want to fill out that application since it states that I would be obligated to repay all forbode payments plus the current mortgage payment all at once at the end of the forbearance period. 

I made clear that I'd like to start a mortgage forbearance program outlined in the XXXX XXXX  Lender Letter ( XXXX ), with all forbode payments being tacked to the end of my mortgage. 

I was told repeatedly that ' they're not able to change the terms of the loan ' and 'deferring those payments to the end would be changing the terms '. I was ultimately offered a multi-staged forbearance program that at its maximum would result in a 12-month forbearance with all forbode payments to be paid in full at the end of the forbearance period. 

I asked to speak with a supervisor and would not accept the terms she described. I was placed on hold, but soon XXXX came back on the line to tell me there was no supervisor available at the moment. I requested to stay on hold, but she wouldn't allow it. She said her supervisor would call me back within 24-48 hours. She also suggested I call back in an hour to speak with a different supervisor. I again asked to be placed on hold to speak with a different supervisor and was told I could not hold. 

I'm a single mother of two. I am the sole breadwinner. This virus has put an incredible strain on my household finances and without help, I will most likely face serious default or foreclosure. The plan Freedom Mortgage has proposed would leave me financially devastated. 
I've worked hard to purchase the home I've owned since XXXX and am finding the lack of solutions offered to Freedom Mortgage customers unacceptable. The following excerpt was pulled directly from the Freedom Mortgage " COVID-19 Frequently Asked Questions '' link to page : https : XXXX 'What is forbearance? 
Forbearance is a temporary suspension of your mortgage payments, allowing you to remain in your home while working through your short-term financial challenges. We will suspend your payments for up to 180 days. Once that time period has expired, we will work with you to reevaluate your situation to determine whether your forbearance can be continued. At the conclusion of the forbearance period, all of your deferred payments must be repaid. The Consumer Financial Protection Bureau ( CFPB ) has a useful video that explains forbearance as it relates to the Federal CARES Act. '

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 2015-04-03
Company: Brown and Joseph, Ltd
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I run an XXXX in XXXX, XXXX My former accountant sent XXXX XXXX XXXX letter wishing to cancel service and then switched our phones to XXXX XXXX I received a bill from XXXX XXXX XXXX XXXX, LTD. Direct number is XXXX ext XXXX. I have told her we canceled repeatedly, however she says we did n't do it properly so we owe. I have told her I am having an attorney review the file. She called today XXXX times and is being incredibly rude to my staff, who have nothing to do with this debt. She has threatened me by stating if she wants me to stop contacting my staff then I need to give her my attorney 's name, via email that I have. I want this to stop. This is a ridiculous debt that is trying o be collected from me. The only signed contract we have is from XXXX that states after a XXXX year period then it restarts another XXXX year period. That 's XXXX. In XXXX we switched to a different phone carrier and our contract should have been cancelled. 

I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is What do you half of XXXX they send me this collection agency for a talking head and my suit they are you damage my credit and I was doing it all day and I try so many times to get help from a game called many times XXXX customer service they charged my account for multiple late fee and the damage my credit report ants this is not fair to do that I really want to dispute XXXX and they sent me this letter So they wanted to sue me regarding and I would like to get help please on this matter and help me please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: United Shore Financial Services, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
got my mortgage with united shore financial services XXXX united wholesale mortgage XXXX, paid approx {$26000.00}. 

uwm sold my note to specialized loan servicing co. 

XXXX did not roll over the money paid to them. XXXX tells me starting on XX/XX/2015 they got no money from uwm

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing , Inc. continues to evade simple, basic questions I have posed to them regarding the validity of my mortgage debt, and instead, is relying on twisted words, half-truths, incomplete answers and non-answers in a desperate attempt to hide the truth. 

Specifically, I sent via Certified Mail, and SPS rec 'd on XXXX XXXX, a formal 'Dispute of Validation of Debt ' and in short, the reply from SPS was wholly inadequate. 

As XXXX case in point, federal law requires that the debt collector ( SPS ) provide the true identity of the 'creditor ', and yet, all I rec 'd was a jumbled mess of a paragraph that tries to say that XXXX is the 'noteholder ' - a claim that XXXX Bank has formally denied - and that SPS is the 'servicer ', and that my note is 'secured with other notes traded on XXXX XXXX ''. 

Nowhere in that reply is specific information as to who the actual 'creditor ' is as defined by XXXX XXXX. 

Additionally, another requirement in a reply regarding a dispute of debt is for the debt collector to clearly identify who the original creditor is ( or was ). SPS also failed to make clear the simple answer to that question. 

In response to an earlier complaint to XXXX Bank, SPS wrote on XXXX XXXX, XXXX that " the 'owner ', sometimes also referred to as 'investor ', 'creditor ', and/or 'note holder ' '' is in fact XXXX Bank. In their XXXX XXXX, XXXX reply, SPS clearly implies that all of those terms mean the same thing ( see attached ). 

However, in clear contrast to that assertion, XXXX Bank says it in fact is NOT the owner ( which also according to SPS means it is not the 'creditor ' nor the 'note holder ' ), and that instead, some unnamed 'Trust ' is the actual 'owner of the mortgage and note ' ( see attached ). 

Accordingly, I still do n't have a clear answer as to who the actual 'owner/creditor ' is, despite filing a formal dispute of the Validation of Debt with the debt collector. 

In addition, SPS failed to answer the vast majority of the questions I asked relative to the origination of the debt, and who was in fact the actual creditor ( or lender ) to begin with ( see attached list of questions contained in the 'Dispute of Validation of Debt and Qualified Written Request '. 

All I rec 'd was another copy of the Mortgage and Note, which shows XXXX XXXX XXXX as the 'Lender ', but without further detail regarding whose money Encore was actually lending, there is no evidence whatsoever that Encore was actually a 'true creditor ' in the first place. The information is needed to determine if this case fits the same fact pattern as XXXX, XXXX XXXX XXXX, XXXX WL XXXX ( XXXX XXXX XXXX, XXXX ), and all indications are that it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a small business owner. Due to Covid Ive had to shut down my business. My employees have gotten sick so has my husband and I. I recently applied for hardship with my mortgage company CrossCountry Mortgage in XXXX since then I have gotten the run around. I have sent over 200 pages of everything they have requested and they keep telling me the have not received half of it. I have emailed them XXXX  times with the information and have uploaded it to a portal account I had to create with them. They keep telling me they have not received it. I have been trying to get a hold of the person in charge of my account XXXX XXXX and left numerous messages for her with other agents because all the agents can do is email her and supervisors for a request to call me back and I havent heard from her or any supervisor since XXXX Ive called and requested for them to call me back and I still havent heard from them. They are now requesting some new information that I can not provide because I dont own any rental properties in XXXX XXXX XXXX I only help my father in law mange his house that he put up on XXXX. Im trying to get someone in there who I can explain this to and I get no help. Im falling behind on my mortgage payments. This is my primary residence and all I ask from them is to give me a forbearance and they do not want to help me or even give me a call back. Please help because I do not want to lose my home or mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company needs to send me the correct 1099 for the work performed regarding previously filed complaint XXXX. I am not asking for borrowers information ; however, the CORRECT 1099 that i am entitled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had spoken with this company due to an issue that they still have an issue with communication. XXXX of their managers was having the stop to report to credit done this man 's name was XXXX he stated that he had them stop from reporting and that he would have this done for XXXX days. Literally days later as we are trying to refinance this away from this place late hits keeping us from being able to get this lower rate locked in. I reached out to the company and no response and have used the CFPB XXXX other times with this same complaint. 

I then reached out to them again and they acknowledge that they said it would be XXXX days and that all that I can do is dispute the claim taking that much longer, that information was given by XXXX when I declined to dispute their issue that they should be correcting. i also sent an email to XXXX XXXX XXXX who is the XXXX of this company along with XXXX and received no response from either. I have sent XXXX Emails to both of them and have never received a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Cadence Bank
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BancorpSouth charged a debit to my account that I did not authorize. I was charged a {$36.00} Insufficient fund fee from BancorpSouth for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recieved a call from a girl named XXXX. XXXX Company is : Central Portfolio Control XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MN XXXX TEL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX Advised that she is a " licensed debt collector ''. Stated I owed over {$500.00} to a XXXX I opened up back in XX/XX/XXXX and closed it XX/XX/XXXX. I asked for the CC company 's name and she would not give it to me. I then asked for more information to verify if I actually owed money but she became aggressive and insulting. The call ended quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
PayPal insists on charging their exchange rate when I make a purchase, and makes it difficult if not impossible to opt to be charged in local currency. I have a US credit card that offers me the spot exchange rate for foreign currency transactions so obviously I choose to be charged in foreign currency instead of having PayPal opportunistically give me their above-market rate. Please force them to at least offer the option of being charged in local currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: CJA Auto Sales, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX Cadillac CTS on XXXX XXXX, XXXX with my daughter. On XXXX XXXX, my daughter made the first payment of {$200.00} by money order. On XXXX XXXX, XXXX, the collections manager began calling and stating that the account was past due. I disputed his statement by stating that the first payment was made in full. On XXXX XXXX, XXXX, the collections manager called again and stated that if the account was not brought current that he could " not secure the loan. '' I again told him that the first payment was made in full by money order. The collections manager repeatedly argued with me and stated again that he could " not secure the loan. '' On XXXX XXXX, XXXX, when I exited my workplace at XXXX, the vehicle was not in the parking lot where I left it. I immediately called the collections department at XXXX XXXX and the party who answered hung up on me. I called back a second time and my call went to voice mail. I presumed the vehicle had been ordered repossessed by the collections manager who argued with me on the week before. After filing my complaint with the Arizona Department of Financial Institutions referred to as AZDFI by XXXX, I was provided a copy of my account history. The record indicated that I did make my first payment by money order # XXXX in the amount of {$200.00}. However, the employee who accepted the payment recorded it as {$87.00} leaving a balance of {$110.00} on the account. The incorrect entry upon my account made the account appear delinquent when it was not. My vehicle was ordered repossessed even though my account was not delinquent. The owner of the company, XXXX XXXX, conspired along with his collection manager to endorse their illegal actions as a valid repossession. The company also retaliated against me and my daughter by reporting the false information to the credit bureaus in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Identity theft XX/XX/XXXX, perilous Hail storm XX/XX/XXXX, XXXX ( dumpsters winched from faucets. Hose credited, all homeowners insurance claims Underpaid, underpaid on wrong structure, and no personal injury but fell at XXXX XXXX XXXX XXXX Colorado in asking what the heck is that truck doing in my backyard? 

XXXX, non vet XXXX owner since XX/XX/XXXX. 

So when the police came XX/XX/XXXX in home office of XXXX ( incorporation date XX/XX/XXXX ) and primary home of XXXX XXXX XXXX onset date was XX/XX/XXXX. Many people f XXXX  ceo ( XXXX  ) XXXX  XXXX  lost many XXXX of goods and to {$600000.00}, but only in the California corporate Studio site. 

XXXX XXXX then, sold to Shellpoint on mandated homeowners insurance and appealed denialisms of this underwriter and agency. Even turned in to state regulatory agencies. Ignored. 
Foreclosure cured by not me and likely upset family once in bundlers renewal scam I allege, still. 

Identity theft and files from XXXX attached XXXX XXXX  and the homeowners post asset sale of another mortgage by XXXX/XXXX/shellpoint. 

Owed {>= $1,000,000} that day in XX/XX/XXXX.

Company response to consumer: Closed with explanation