BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called TransUnion XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. I then requested a supervisor. The supervisor also refused to remove adverse information and reports that I never provided written instructions for TransUnion to furnish to my consumer file pursuant to USC 15 1681b. TransUnion willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of XXXX XXXX. I asked the supervisor if TransUnion had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for TransUnion to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.

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 2016-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Citizens Bank. I looked at my account and it showed that i had an available balance of {$9.00} and with citizens bank, anything you spend under {$5.00}, they do n't charge you a overdraft fee. So I spent {$7.00}, which brought my account balance to $ XXXX.Then I spent {$4.00}, which brought it to ( $ -XXXX ). Now this is how it exactly shows on my bank record and I can provide that if necessary. But they are saying that something else went through before the {$7.00} charge, so therefor I 'm getting charged a {$35.00} late fee?? NOW after there late fee just went through they know I have a {$10.00} charge coming through, so now I 'm going to get charged another {$35.00} late fee because of their {$35.00} over draft fee. Just to back up for a moment, I had deposited {$20.00} in my account because i had XXXX charges go through under {$5.00} and I knew I had that {$10.00} charge going through. So to me it 's a disgusting scam. I want to close my account out with this horrible bank but I have thing s going through, so I kind of stuck. 
the bank account I sent you does not show their {$35.00} fee, it shows they took it off but it does n't show the actual {$35.00} fee, so you will see my account is negative {$22.00} and some change but it wo n't show their {$35.00} fee in the ledger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had several payday loans from different companies and for the same amount of money as Big Picture. Those loans got paid off. Big Picture/Castle kept going and going. Then XXXX day they texted me that my payment was sent back from the bank. I called back to try and get this solved. They said the text said it was turned to collections. I panicked, the text did not say that. I began to feel something was wrong so I notified the XXXX and filled out a report. In the mean time, they repeatedly call be on my landline and cell phone day and night, every day. They call and then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owed a debt to XXXX credit card which was turned over to ERC collections. They call me, harass me, when they hang up at my home, they call my cell and do the same. They have threatened to send me to jail then asked for my husband and threatened him. They call all types of the night after hours and even speak to my children.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill.

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 2021-06-24
Company: JPMORGAN CHASE & CO.
State: PA
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Louisiana Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Victim of identity theft I havent lived in Louisiana in over 10 years

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 2017-02-06
Company: Allied Collection Services, Inc. (Nevada)
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
We were contacted b Allied Collection Service by phone XXXX notifying us of XXXX attempt to collect an invalid debt. We asked them to send the information and the notice of the right to dispute so that we could dispute it as numerous attempts to resolve with XXXX " Customer Service '' had failed. We never received the details or the notice of right to dispute from Allied Collection Service. We called Allied Collection Service on XX/XX/XXXX to let them know the debt was resolved, even though we never received the details from Allied Collection Service or the right to dispute. On XX/XX/XXXX and XX/XX/XXXX, Allied Collection Service opened account against my credit with XXXX, XXXX, and 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 2015-11-27
Company: American Financial Resources, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
American Financial Resources ( AFR ) denied my FHA XXXX loan application due to the fact they " suspected '' the property being purchased " might '' be used for commercial purposes. XXXX guidelines clearly allow me to purchase a " mixed use property '' as long as the renovation funds are only used for the residential buildout, which was clearly the case from the XXXX consultant 's report. We have now lost the property due to AFR 's ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX ( XXXX ), I requested PMI cancellation from my mortgage server, Loan Care, and paid for an appraisal ( {$390.00} ). The check was mailed on XXXX/XXXX/XXXX and Loan Care deposited and credited the money on XXXX/XXXX/XXXX. After that point, Loan Care failed to order the appraisal and their PMI department refused to speak with me on the phone or via electronic written communication. I attempted to contact the Loan Care PMI department on the following dates ( XXXX XXXX XXXX ) with no progress : - XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX : XXXX and XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX, XXXX, and XXXX- XXXX/XXXX/XXXX XXXX and XXXX XXXX tactics delayed the appraisal required to remove the PMI to XXXX/XXXX/XXXX and has delayed removal of the PMI, costing {$160.00} per month. The delays in preforming the appraisal is indicative of acting in bad faith not in the spirit of the Homeowners Protection Act, 1998. 

The appraisal have been completed and I have made a written request for a copy of appraisal and removal of the PMI on XXXX/XXXX/XXXX. 
Loan Care again refuses communication. 

I desire the following results : -A copy of the appraisal report-Reimbursement the additional month 's cost of PMI ( {$160.00} ) incurred due the delays and repeated communication failures-Removal of the PMIMany thanks in advance for help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 I purchased a home. On XX/XX/2021 the loan was acquired by NewRez. On XX/XX/2021 I received a letter from NewRez LLC that said their records show my hazard insurance had expired and they plan to buy insurance for my property. The letter said to call them if I have questions. The phone number in the letter XXXX XXXX ) did not work. So I XXXX XXXX NewRez and called the number I found. That was for a different company, not sure the organizational structure of NewRez, but they were able to provide the number I needed.

I finally reached someone at NewRez and imagine my surprise, they had received the documentation of my insurance that very day! This was on XX/XX/XXXX. 

My complaints : 1. The phone number provided in the " debt collection letter '' is not in service. Consumer unable to call based on that.

2. Timing is really suspicious. They acquire a loan and don't get the insurance information at that time? Suspect. Then they wait a few months after acquiring to realize that there's no insurance and send a letter? What kind of business are they running? Then the documentation magically appears the very same day I phone them? Also suspicious. 

This whole thing seems pretty shady to me. Feels like they're preying on consumers who aren't going to be as diligent as I am on tracking them down and holding them accountable. 

In fairness, when I finally did reach someone they were super friendly and helpful. They provided me the date the loan was acquired, and answered all my questions, and patiently listened to my rant! Even offered to file the complaint on my behalf ( I mentioned the CFPB on the phone ) which I asked her to do. So that's great. I'm not really clear on whether the complaint she referred to was something internal at NewRez or if she meant she'd file something to the CFPB. So if CFPB received duplicate complaints, one from me and one from them, sorry! They win some points if that's the case for actually filing the thing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, I deposited a check for a friend, so I deposited a 3rd party check, the party came with me to deposit with check. The check was for {$10000.00} issued by the us treasury. The deposit of the check went great. We deposited it at the capital one bank on, XXXX XXXX XXXX XXXX XXXX, LA XXXX. The bank said that the check would take a few extra days to clear because of the amount. After a week past, capital one put a freeze on my account and never released the funds for their security reasons. The check had cleared and was now showing available in my account. The security department at capital one never allowed me access to my account again. On XX/XX/XXXX, I called to gain access to my account online, and capital one call center operator, named XXXX, said that capital one no longer wanted to do business with me and she wouldn't give me access to the account. When I asked XXXX about the XXXX account balance, she said it was already dispersed to the other party, when I told her I knew that she was lying, she then changed her story and said itll be sent when capital one decides it is time. I then told XXXX this wasn't right, she said that if I needed any other banking information to call another number. Is he told me goodbye and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Falls Collection Service Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed and asked for validation of XXXX accounts from falls collection service. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and FALLS COLLECTION SVC XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: ALLIANCE FINANCIAL RESOURCES
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just closed a mortgage loan in Arizona with Alliance Financial Resources on XXXX XXXX, 2016. Now I received a call the beginning of XXXX from the loan officer 's assistant saying the company made a mistake on the late fees. The fee went from XXXX percent to 5 percent and now Alliance has sent a new note for me to sign with late fees being 5 percent. Is this something Alliance can legally do? Please advise before I respond to Alliance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no legitimate reason and have supplied with information on getting my Acct. Up and running. Not sure if this is a mistake or an error on their part. I have not been able to get assistance from them in weeks. I feel neglected and abused. My email to my PayPal account is XXXX Thanks for your concern in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Carrington Mortgage Services by XXXX XXXX XXXX effective XXXX XXXX, 2015. Prior to the sale of my loan, I was provided with my yearly escrow analysis which explained that my mortage payment would increase by approximately {$30.00} per month. This seemed like a large increase, so I did my research and found out that my taxes and insurance did increase so the increased escrow payment was justified. Fast forward to XXXX 2015. I am now an unwilling customer of Carrington Mortgage Services. I received a new escrow analysis from Carrington stating that my mortgage payment would increase {$120.00} per month OVER the increase that XXXX XXXX XXXX had already implemented. I lookled up my taxes, insurance, principal and interest amounts for each month and came up with exactly what XXXX XXXX XXXX was going to raise my payment to. {$1200.00} per month. I called Carrinton XXXX and was on hold for XXXX+ minutes each time. And while both employees were courteous, I was eventually told that they could " cushion '' my escrow however much they want and I have no recourse. So my payment is now {$1300.00}. This is unacceptable. I did not agree to these terms and will not pay this. It is appalling that I now have to deal with a company that I did not choose and who can change the terms that I legally agreed to with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone stole {$1000.00} from my chase account. Paid themselves through XXXX. Chase claims refused to issues my money back because they said they can't verify it either way. It others words they are saying I'm lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}

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 2021-06-24
Company: PNC Bank N.A.
State: NJ
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:
My credit card with PNC Bank had been written off and included on my credit report as a write off during COVID despite my previous communications to PNC Bank to explain that I had notified the customer service representative ( multiple times ) of my loss of employment. I would like to pay the amount owed in full, but prior to doing so, have reached out to PNC multiple times to ask how quickly the error on my credit report can be corrected to reflect that my card should not have been written-off and is paid in full. This error has resulted in my inability to find full time employment and substantial financial loss. In addition, today I reached out to PNC again ( at XXXX ) to find out when this correction will be reflected on my credit report and the representative ( reading from a script ) refused to answer the following questions : 1. What is the process for reporting credit card payments to the credit bureau? 2.Which department at PNC is responsible for reporting the payments to the credit bureau? 3. If I pay the amount today, when with the payment and correction be reflected on my credit report?

Again, I would like to pay the total balance IMMEDIATELY, but need PNC Bank to confirm that this error will be corrected and assurance that the payment will be reflected on my credit report within 30 days of the payment submission date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago, I was notified that my credit score had been negatively impacted due to a collection filing. My credit score normally hovers around 830-850. 
Upon investigation, the collection account was for an XXXX & XXXX debt in the amount of {$1200.00}. I have no business with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to advise them that this is not my debt. Upon discussion with XXXX XXXX XXXX, they said that someone purchased a phone through credit and then never made any payments. Clearly, this was some sort of scam and XXXX XXXX XXXX was victimized. 

We agreed that the account was : 1 ) not set up in my name, but in the name of XXXX XXXX, 2 ) the social security numbers did not match and 3 ) the street addresses did not match.

They agreed to release the collection and move on. I followed up with all three credit agencies and the collection has been removed. 

Last week, I received a debt collection notice on behalf of XXXX XXXX XXXX from ERC. It seems they now have my address, which I gave to them on the phone when I originally called to prove they had the wrong " XXXX. '' I will restate the following : 1 ) I am not XXXX XXXX and have never been XXXX XXXX ; 2 ) I do not know who this person is ; 3 ) The XXXX & XXXX account and collection letter is in the name of XXXX XXXX, who is not me ; XXXX ) XXXX XXXX has never lived at my current or prior addresses ( I have lived at my current address for 23 years ) and 4 ) none of the other identifying factors match to me. 

I have spent a great deal of time already on this issue. I do not know how to get AT & T to cease and desist contacting me directly or indirectly through collection agencies. 

This is not my debt. I am not this person. Your help in resolving this issue would be greatly appreciated. It is threatening, stressful and time consuming to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: SYNCHRONY FINANCIAL
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:
I have a loan with SYNCB/AMAZON PLCC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/AMAZON PLCC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and SYNCB/AMAZON PLCC with no successful resolution. XXXX reporting me having late payments. There was an error on their part. I was never late.

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