BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: Blackrock Mitigation Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A XXXX XXXX called me to say that he was a dispatcher with XXXX and was trying to schedule a time to have me sign some documents. Said the documents came across his desk as marked " urgent '' and " requires recipient signature. '' Also stated it would be out for delivery at XXXX to my home address. I was there, no one ever showed. Called again the next day, stating this was the final attempt and that " redelivery would be shortly after XXXX at the jobsite listed, and that this would be the final attempt before he or his representation would need to pick this up. '' Left me another message at work stating that I was n't there when they tried to drop off documents and that I needed to set up a time where I and my HR director needed to sign documents. I needed to call the office at XXXX ( Will add an alert on this number as well ). After doing a bit of research ( not my first rodeo with XXXX like this ... ), I found the number of XXXX to be identical information to my experience. I called both numbers and got a similar " call center '' type of background noise on both. Phone answered by a XXXX XXXX XXXX, and a XXXX XXXX. I was transferred by XXXX XXXX to a XXXX XXXX who told me that I had paperwork out for delivery. I asked for the company name, and she told me Black Rock Mitigation. I asked for an address, and she told me that it was useless to send anything because they do not answer their mail ( certified letter in the mail for debt validation mailed today to cover my bases ). She gave me an address of XXXX XXXX XXXX, XXXX, NY XXXX. I also looked up Black Rock Mitigations LLC and found an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. XXXX images looks like this is an shady warehouse/office space. I asked XXXX XXXX if they were a debt collector, and she told me that they basically just finalize matters and send information, that there was a civil matter filed and they were putting me on notice. Would not commit to being a debt collector. Did not try to collect on a debt, but referred to a bogus debt of {$3500.00} saying there was a civil suit filed ( none has been filed, as I checked with the XXXX today ). These people are a scam.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-19
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
i signed up for a paypal credit card so I can make a large purchase on XXXX and get 0 % interest for XXXX year, I never made the large XXXX purchase but continued to make small purchases. paypal took it upon themselves to use there credit card to charge all my XXXX purchases, I never wanted to use this card until I made a large purchase, paypal already had all my bank debit card on file and should of used it to make payments not there credit card, I have used this debit card with paypal for XXXX for the past XXXX years. i feel that in the near future paypal will start to charge interest for every purchase from day XXXX at a very large interest rate. I have also emailed paypal several times and never got a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV Funding , LLC bought this debt from XXXX credit card for pennies on the dollar. They in turn continue to have multiple companies contact me regarding payment. I 've asked them to validate this on several occasions but did n't get any information back until I sent a complaint through BBB. I have requested to have this account deleted as I have no contract with them but they refuse. My now deceased husband 's cousin got this card fraudulently in my name. I am not responsible for any amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a Credit card from a company that I defaulted on. Portfolio recovery associates assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that Portfolio recovery associates ( PRA ) reported correctly that the account was delinquent for XX/XX/XXXX, then paid as agreed. However there was another month that showed up, XX/XX/XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and PRA now list my account in the same closed status but with the delinquency months being in XX/XX/XXXX and XX/XX/XXXX, 7 months after the account was closed. I contacted PRA and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted PRA again to ask why they would be reporting the same delinquency dates when my account was resolved in XX/XX/XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XX/XX/XXXX. It is now XX/XX/XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Mortgage process was started on XXXX XXXX. I have submitted every document requested within 2 business days, however, 4 1/2 months later this loan is not closed. Originator has been good to deal with but at this point I have received XXXX closing disclosure documents. The appraisal report is dated XXXX XXXX and a closing was tentatively set for XXXX XXXX but no one showed up to our location. There a plentiful excuses but I would just like this project completed.

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 2018-05-29
Company: EQUIFAX, INC.
State: CO
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 the company and the credit bureau several times and advised them that this is not my account. This account is not listed under my social security number because it, it not my account. It should not be on my credit report. I would like this inaccurate information removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Ditech Financial LLC
State: CT
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in 2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Hayt Hayt & Landau, P.L. (FL)
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: Account status incorrect

Complaint:
In 2018, I settled for payment in full on a credit card that went into collections. The company in charge of collecting the payment is Hart Haytand Landeau. They have been slandering my credit every month. They continue to report a new charge off every month - even though I make the agreed upon payment on time. They are not reporting that the account was settled to the credit bureaus. I can not secure any new loans or employment because of their erroneous reporting. I believe they are trying to bully me into paying the amount in full in order to restore my credit and my life. This has significantly impacted my emotional and financial well being. Ive tried calling them multiple times only to be placed on hold for e tended periods of time. I believe this is a t tic they are using with other consumers also.

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 2017-04-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Privacy

Complaint:
I was on the phone for 2 hours and 15 minutes with a Chase employee from their XXXX ( XXXX ) and their Fraud Dept. Chase gave XXXX points from our credit card to a criminal who called them. My husband and I have asked repeatedly to hear the phone call that was left by the criminal. We have also asked for XXXX boss or upper management to listen to the entire 2 hour 15 minute call to hear how XXXX provided " customer service ''. We need to know about preventive measures, since in the meantime, Chase has given us a replacement card, but we do n't want this to happen again. We ca n't just be given replacement cards every time this happens. We have about XXXX accounts this card is set up to and we have to now spend time disconnecting the old card and reconnecting the new card. More importantly, we want to know how this theft can be prevented. We have no idea what kinds of screening process/identification process is used when criminals call in and no one has told us. XXXX from the " executive office '' told us XX/XX/XXXX that she would get back to us on this but not a peep. I have written over 15 emails to Chase with ZERO response from Chase. I have called them yesterday and spoke to a XXXX on their 'executive line ' who said she would be talking to XXXX and her boss XXXX XXXX . She also told me someone named XXXX was assigned my case, but no one has called. I was not even assigned a case number. Is there one? I, a customer of over 30 years is constantly getting ignored. I called again today. This was a joke. We do not understand how a bank can just ignore their customers. We believe that the bank feels that just because they replaced the card, that they do n't need to do anything else. Chase is DISGUSTING and we need answers. They can not keep on ignoring us!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: Hidden Oak Group, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX has been calling me repeatedly at XXXX XXXX at various different number in an attempt to collect a debt that I am not responsible for. The company is claiming I opened a XXXX XXXX in XX/XX/XXXX and continued to pay till XX/XX/XXXX. This is untrue. I never had a XXXX XXXX during these times and do not owe this debt. I tell this to the representative and they continue to harass me. They have completely filled up the space on my voicemail with threats of litigation if I do not respond to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing this letter in regards to a money transfer problem I am having with PayPal. 
On XXXX XXXX 2016, using PayPal 's money transfer service, I authorized a money transfer between my bank account and my son 's PayPal account in the sum of {$3000.00}. Five dollars was PayPal 's fee for the transfer, {$3000.00}, for my son. As cited on my bank statement, the withdrawal from my account, as an electronic check, happened the same day of the authorized transfer, XXXX XXXX. PayPal 's website claims that the money would be available six days from the authorized transfer, on XXXX XXXX. The day came and went, no transfer, the money is still pending on my PayPal account as of XXXX XXXX, 2016. 
I have tried a stop check and filed a claim with my bank against PayPal ; the bank said that because the withdrawal was in the form of an echeck ( can not be traced ) and it was authorized by me, that there is nothing the bank can do for me ( after 10 days and a fee ). We tried a XXXX phone conversation, me, my bank, and PayPal with no resolution, PayPal 's customer service representative misread my information and told us the money had been transferred to my son 's account, when I checked later by computer, it had n't. On my PayPal account site for some reason, above the transaction it reads 'pending ' but under my son 's name, it reads 'money sent ', yet nothing 's been sent. I called XXXX local lawyer offices looking for advice, XXXX told me to write our state XXXX and file a complaint with the Consumer Financial Protection Bureau, the other office suggested I try to call the XXXX that processes the echecks. 
I have called PayPal 9 times since XXXX XXXX and no customer service representative can assist me with this problem, nor can they give me a real reason why the transfer has not happened. I was to get an email about the problem, yet never did. All the customer service representatives tell me they can not give a time frame for when the transfer will occur. XXXX representative told me that it was my bank holding the money ( not ) ; XXXX others said that ACH the business that processes the electronic checks, lost the link to my check, there was to be an IT technician on the problem soon, still no time frame. I asked PayPal if I could call XXXX, they said no. I called the company that writes the rules for XXXX, XXXX XXXX XXXX XXXX XXXX, and asked them if PayPal or XXXX could have lost the link to my check, they said it was not possible. So, I am at a loss as to how to get this money either back into my account, which would be my number XXXX resolution, or into my son 's PayPal account, where it should have gone in the first place. 
Any advice, information, or assistance will be greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
On several occasions while trying to pay my bill last XXXX ( 2016 ), Chase lost my billing information and it resulted in interest charges and late fees. There was continuous communication on my behalf as the information that was provided was inconsistent amongst different entities of Chase. I was told it would not be reported to the credit bureau 's and would be noted as I was also a victim of identity theft. Chase continues to address that I did not contact them in regards to a sudden address change or lack of receiving of a card but I did. In fact, my card number was compromised. On several occasions, I went to the branch to address this issue as Chase did not via customer service. Ultimately, my balances were paid off and I was dismissed due to " bank policy '', but ultimately I feel the reason is because of the lack of ethical business practices and the poor documentation. In one incidence, I was charged interest/late fees and it was reported to the credit bureau even though Chase had my payment info and the representative just did not submit it correctly. I feel that the indication only my report as my account being past due or late should be corrected at any rate. In addition, any late charges that were charged or indicated on my account should be reviewed individually as Chase failed to follow proper bank procedure and business practices when contacting me and/or communicating me with such sensitive/important information. This specific to the account ending in XXXX. This is my second inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the fair credit reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After filling for bankruptcy ( chapter XXXX ) and making payments to a trustee for a couple years, Bank of America sent us a bill for our mortgage for {$23000.00}. Contacted them about a loan modification. Months ( more than a year ) of delays, excuses and tons of paperwork, they still foreclosed on the house. In XX/XX/2016, we moved out and they sold the house for less than the past due. It has been 7 months and they are still sending us letters stating out application for modification is being reviewed.

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 2017-04-08
Company: Larry H. Miller Group of Companies
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had originally requested an investigation of XXXX XXXX in regards to their illegal vehicle repossession. Now moving forward and struggling to recover from their deceptive tactics, I had requested for Larry H Miller XXXX XXXX to send the original signing of the credit pull they had done before signing any agreement with them. In doing this I noticed that they had doubled my income on the statement. This I was unaware of at time of signing. I was making roughly XXXX biweekly at the time, I noticed they had filled in XXXX biweekly. This allowed them to grant me the unfair loan they had issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX # XXXX 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 a account without my written instructions

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 2022-04-18
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/22 - I submitted a complaint towards XXXX, Exquifax, and XXXX XXXX regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: National Enterprise Systems, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NES continues to contact me on my cell phone for someone else 's debts. I have requested they take me off of their list but the same person keeps calling me and trying to force me to pass along information to the person even though I dont know them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Discover bank is trying to obtain my phone number for illegal purposes. I have a private student loan from Discover. In XX/XX/XXXX I had some issues with them harassing me and my family via phone. As this time I requested that Discover not call me anymore. This do not call was violated a few times over the past 5 years, but more or less was abided by. On XX/XX/XXXX I attempted to log on to my online account, but I could not without entering a phone number and clicking on a button to accept calls and communications from Discover. I called discover and asked to speak with a supervisor. They told me they would investigate. On XX/XX/XXXX I attempted to log on and pay my bill. I was still being required to enter my phone number. I called to follow up and spoke with XXXX ( Refused to Provide Last Name ), A supervisor in the Student Loan Department. She reviewed the file and told me there was nothing she could do. I asked to be transferred to someone who could help. She refused. I asked to be transferred to the Executive Office. She refused. I asked for the phone number for the Executive Office. She lied and said there was not a phone number. I explained to her that I know that is not correct. She then back-peddled and explained she would have to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Receivable Solutions Specialist, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation