BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 my attorney sent a letter ( XXXX, confirmation attached ) to Arvest Bank disputing the validity and terms of an negative entry they were reporting to all major credit bureaus. I have never done business with Arvest bank and have asked for verification from Arvest many times over the past year. This time I have paid for attorneys to get involved. I have repeatedly asked Arvest bank for 1 ) Copies of all written contacts and agreements of the parties ; 2 ) Anything signed by me, XXXX XXXX ; 3 ) Documentation of performance by Arvest Bank ; and 4 ) all business records of Arvest Bank, concerning the alleged debt. As of this date XXXX XXXX, 2015, I have never received ANY communication, nor validation of this fraudulent account from Arvest bank despite my documented and repeated requests. 

On XXXX XXXX, 2015 I sent a second request for validation letter to Arvest Bank ( XXXX confirmation attached ) again stating my original request from XX/XX/XXXX that has not been responded to for validation of this fraudulent account. I included copies of the original letter as well as copies of the signed delivery confirmation to their offices. Of course I have still not received ANY response from ARVEST bank. Not only has ARVEST bank refused to provide me with the evidence I lawfully requested in my previous letters, they have violated the FDCPA by continuing to report incorrect and unsubstantiated information on my personal credit report. This activity has been HIGHLY injurious to me. 

I am requesting IMMEDIATE retraction of all negative information posted by ARVEST bank on my personal credit reports that ARVEST bank is reporting to all major credit bureaus and to be forever removed from my credit record with all reporting agencies, as well as to have them send me a letter stating that this is account is closed in their offices and will not be sold, transferred, or in any other way be collected on again either by ARVEST or any other company. 

I am also going to pursue this issue with the FTC and the Texas Attorney General 's Office about ARVEST 's clear and continued violations of he FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Shellpoint Partners, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Note : Some of the preceding questions on CFPB online application to submit a complaint are not specific enough so I just answered them to be able to move forward to this page ... ..This second complaint is a follow up to the first complaint that I already received a response from the mortgage company. 

Dear Compliance and or Mortgage servicing department of Shellpoint mortgage : I have attempted to call SPOC twice and left my information however nobody has returned my call after waiting over a weeks time even though the voice prompter circle of futility says someone will call back within " 24-48 hours ''.

My question is very simple if someone can confirm and respond back to me IN WRITING. 

If I were to resume regular monthly mortgage payments starting in XX/XX/2020 ( which  will be after the 90 day forbearance period ) will : 1 ) Will my payment be the same as before which is {$2200.00} give or take? 

2 ) What happens to the 90 days of forbearance amounts from XXXX, XXXX and XXXX? Are they just added to back-end of loan? If so, please state this in your written return response to me at email address :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: GA
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 and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. 
My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
I used my PayPal account for a transaction of XXXX GBP ( Transaction ID : XXXX ), On XX/XX/XXXX then got a notice from PayPal requesting some documents for verification as i have almost reached my yearly limit, I uploaded documents for id and address verification and almost immediately after clicking the submit button, I got notice that my account has been limited. I believe this might have been an error with the auto security feature with PayPal, I use my PayPal account to make payments online and pay for some subscription services. I do sometimes receive payments from friends and acquaintances here and there. will be glad if PayPal can review my account to verify my humble request and restore my account. 

I tried reaching customer care but was getting auto responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CCS Financial Services, Inc.
State: FL
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:
CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) has reported inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, # Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency company LVNV Funding LLC has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe {$350.00} to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company LVNV Funding. Do n't matter the original creditor have the same account number as the collection agency, XXXX account that XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under to different companies on my credit report which neither provided proof of documentations bearing my signature associate with the account number under my social security number. If no signed documentation bearing my signature stating that I owe {$350.00} then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it does n't prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report.A person or persons should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court in my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for {$5000.00} in damages 1 ) defamation 2 XXXX negligent enablement of identity fraud 3 ) violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: AFNI INC.
State: GA
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:
Afni Collections, Inc. sent a letter stating that I owed XXXX XXXX {$120.00}. I sent a debt and consumer verification letter requesting proof I I did in fact owe the money and how the amount was calculated. Afni is in violation of FDCPA 15 U.S.C. 1692 et seq. In XXXX v. XXXX, et al. 2014, XXXX Circuit ruled that " the verification requirement was satisfied where the debtor could sufficiently dispute the payment obligation. '' They have reported to XXXX credit bureaus without adequate proof of the debt. They failed to provide information and acted illegally, and are guilty of providing unproven information of a libelous nature. Additionally, they falsely accessed my credit report, having insufficient information to prove I have a valid debt, or that they even have assignment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Gragil Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking at my Credit report on XXXX when I noticed that I had an account in collection for XXXX dollars. I looked up the company Gragil Associates and called them Spoke with a Ms. XXXX XXXX. After getting my information she pulls up account with wrong address. Address is actually XXXX year old sons and the bill is actually for treatment he received but they are listing me as responsible. After being put on hold she comes back on phone and states that they will fix their report to the Credit Bureau in 1-2 weeks. This report was fraudulent and has effected my credit score already and they never contacted me before reporting and now they want time to fix it. This company has had many reports on deceptive collection practices and its Time that they face actual action for trying to ruin peoples lives as it was I was denied credit through XXXX card for being in collections which I could not understand now I know exactly who did this to my Credit!!

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 2016-09-28
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card
Issue: Rewards

Complaint:
I Opened a new platinum card with American express as I was invited with a XXXX point signup bonus, requiring the annual fee to be paid immediately. I met all the terms of the signup bonus and was credited XXXX points. I spend XXXX a year on my amex everyday card, and found that i prefer the benefits and rewards of my everyday card, so i decided to close the platinum card before fee renewal as I do not travel much. I find out XXXX amex decided to claw back all my XXXX points, despite there being no clause or mention in the agreement that account closure before renewal will forfeit those points. I still have a rewards account tied to my amex everyday preferred card. Please help with this unfair and deceptive practice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. 

I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: Solutions To Portfolios, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX, claiming to be from STP assoiciates continues to call me at work and call several relatives. I told them to send a debt validation letter and to only communicate with me via US mail. She refused, saying she could call who she wanted, and that this would be a criminal complaint. I reiterated that if there was, indeed, a debt owed, that she should send me a debt validation letter via mail, and she said she would 'just send a summons ' and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score -61 points without a change but they seem to be passive aggressively ignore my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Amsher Collection Services, Inc.
State: AZ
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:
XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called Amsher posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " AMSHER ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at Amsher who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' XXXX ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Following a series of financial hardships due to medical and work slowdowns, we were working with Selene Finance on a modification of our mortgage. 
We begin discussions with them on XXXX/XXXX/16 at which time we were assured by Selene that any other action would be placed on hold. We completed the package and returned to Selene on XXXX/XXXX/16. Without knowledge to us, the home was sold at auction on XXXX/XXXX/16 despite having been reassured multiple times that this action was placed on hold. On XXXX/XXXX/16 we received an eviction notification from the new owners of our home for 8 years where we have raised our family of XXXX children. Also on XXXX/XXXX/16 we received approval of our loan modification from Selene. Over the full course of attempting to work our a financial arrangement, we were moved from department to department and even had to deal with multiple law firms representing Selene through the process. Following this notification, we emailed and called Selene without response. When we indicated that we believed they had failed to honestly and legally represent themselves. We received a secure email link within the hour that contained a very intimidating letter that was not only factually incorrect, but written in a legalese that is difficult to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2021-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY ASSOCIATES has aN ACCOUNT ON MY CREDIT THEY REFUSE TO REMOVE OR DELETE.

Company response to consumer: Closed with explanation