BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My situation started XX/XX/XXXX when I finally separated and moved out of the house, during this time I provided a total of XXXX mortgage payments, some of which where directly debited from my business account. Because of issues with my ex wife signing check out of the account without authorization, I came to an agreement of providing her with monies for the mortgage and needs for my kids. Mortgage payments never made it to XXXX and instead I found out later by my daughters that the house was going on foreclosure by the somewhere around XXXX XXXX. I contacted XXXX immediately and told them of my situation and ask for help. I was then contact by an organization Located in XXXX XXXX MN that stated needed my signatures for a modification being sought by my ex wife. I attended the place and signed paper work, but I never heard from them again. It was then XX/XX/XXXX, when I contacted XXXX again to find out, whether a modification had been done or what the status of the property was?. I found out that my ex wife was going trough bankruptcy, that the foreclosure process was not possible until some legal terms where met, I told XXXX many times I was not in bankruptcy, but again they say there was nothing to do but wait, however, they say to apply for a modification, which I did the XXXX. I did apply 3 times XX/XX/XXXX as paper work was either incomplete and or wrongly filled out, same happen in XX/XX/XXXX 4 times and XX/XX/XXXX 3 times XX/XX/XXXX 1 time. now XX/XX/XXXX is about to end the house is being sold on XXXX XXXX XXXX by the sheriff as I understand and many tries after trying my best to modify this loan I will loose a house I always intended to keep. I explained XXXX, Resurgent Mortgage and Shell point mortgage, to please give me a viable path to catch up, to put the existing debt on back of the loan, anything other then t=come up with a huge amount of money to bring the loan current. The most frustrating information on this case of mine is that I was never denied until the year XX/XX/XXXX, because I simply make to much money. I have a hard time understanding this process, being able to make payments disqualify me? being able to provide and be responsible takes me out of the favorable result of a modification. I have counted at least 17 time that I have tried for a modification, one single time of those I was denied for the reason already mentioned, this have to be a unique case? a single out case? or I do n't know what to call it. Please I bag like I did form the beginning, give an opportunity to keep my house and to work together with the bank to find a favorable solution to this modification, for me to be able to provide a roof for all my love ones that depend of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw this debt on my credit report and have no idea what it is from. I have not taken out a payday loan in 2019 as it is claiming. I have not even had a regular bank account to do so. I also have lived at the same address for 6 years and have never received a letter or any other contact from Midwest Recovery Systems, stating that I even had this debt to begin with. It states that the account status is open yet I was not given a chance to validate this debt and believe the information from it is both false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt of {$500.00} that was owed to tekcollect representing XXXX was payed directly to ccac aproximately 4 months ago. They informed me that tekcollect would be notified. According to XXXX the debt has not been resolved and is still negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-30
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The account is fraud. it has been removed from all other credit bureaus and the collection agency failed to validate the debt in timely fashion ...

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 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my account stating fraud I did nothing fraudulent I would setup promise to pay and my check wasnt in there at the time they would take it so when I received my money I paid them I cant control when my money gets in the account at what time the crazy part I would call to pay and they system wouldnt take payment. Had to wait to there system show it returned this happen all the time. They wouldnt allow me to pay with debit card even told them a few times my account was hacked so my account was being changed they still didnt care I called and told them everytime So Im not understanding I also was told the late payments they reported would be removed because I was impacted due to Covid and they said they waived and would update my report but they didnt I see it shows 60 days late. I wanted my account to stay open since Im trying close on a house this has hurt my chances so Im asking them to consider leaving it open. I dont use my card but pay a bill then pay it off the XXXX thats show Im paying but would like my card to stay open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Grain Technology, Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I had grain since XXXX and out of no where my payments stopped coming out of my account without me knowing I contacted grain via email as they dont have a number where I can call them They took months to reply to change my info. Now it doesnt even let me pay with a debit card. Now my credit score was ruined because of their lack of communication. I would like these 3 late payments removed please. Im trying to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following inaccurate, contradictory information in my file. 

I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life & you guys are not following the laws like the FCRA 609 section by reporting 100 % accurate information on all three bureaus!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Express Recovery Services, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Express recovery services under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX  to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/2021 I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.

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 2021-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX Amount XXXX HOLD ON ALIMONY/CHILD SUPPORT CHECK LONGER THAN FIVE DAYS. 

Confirmation XXXX XXXX XXXX Bill Pay XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: GA
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:
Violates FCRA reporting policies. This company has reported this account being 'charged off ' 34 times!!

An account can not be charged off 34 times.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Violates FCRA reporting policies. This company has reported this account being 'charged off ' 34 times!! 

An account can not be charged off 34 times.

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 2016-05-04
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover offered a promotion of XXXX miles per dollar when using XXXX Pay to pay for transactions, up to {$10000.00}, until XXXX/XXXX/15 ( doubled after one year ). I applied for the card and paid {$650.00} for an iPhone exclusively to take advantage of the promotion. Discover then altered the terms of the promotion and excluded gift cards. 
Discover needs to honor the initial terms of the promotion and give me the miles I am owed ( over XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 Transworld systems sent out a debt notification letter about an alleged debt. On that same day they also reported to the three major credit bureaus that the account was in collections which is in violation with the CFPA. The notification letter from Transworld systems was received on XX/XX/XXXX and a validation request letter was sent out via certified mail on XX/XX/XXXX and was received and picked up by Transworld systems on XX/XX/XXXX at XXXX XXXX, well within the 30 day window to request validation before action could have been legally taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: DISCOVER BANK
State: MO
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
My Identity was stolen and given to Discover Bank and opened a XXXX market account under my name. In turn there was a transaction made XXXX in WI which made a transaction under my ID and sent XXXX for the amount of {$2300.00}. No response or fraud department will take my call at XXXX. Discover Bank referred me to XXXX on this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Key 2 Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting an erroneous debt reported by Key 2 Recovery of {$1700.00}. This debt does not belong to me as my identity was stolen, including identification, social security card, and birth certificate. I am aware payments were made towards this account ; however, I affirm they were not made by me, from my authorized account, or on my behalf. This account of which Key 2 Recovery is collecting on in error and I have not had a relationship of any kind. 

As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud at USAA FEDERAL SAVINGS BANK EX-Spouse collected stimulus of {$1400.00} XXXX XXXX XXXX I have stated numerous claims to this institution regarding Identity Theft and Fraud with personal information. 

The claims go unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Discover Student Loans reported in error to XXXX and XXXX that my account was in bankruptcy. I have never filed for bankruptcy. Due to their mistake, I am at the risk of being disqualified for home mortgage, despite my credit score that exceeds XXXX. When I called Discover Student Loans about this, and requested that they write a letter clearly stating their credit reporting error, which my mortgage lender requested to process my pre-approval, I was told that they do n't have a form letter approved by their legal department to write such a letter. They instead sent a letter that simply states the status of my current loan and terms. That is not what I needed or what my mortgage lender asked for. In the meantime, we sold our house and need to move out in a month. We wo n't be able to make an offer to purchase our next house unless this credit error gets resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Origionl debt was with XXXX XXXX XXXX XXXX who wrote off the debt, the amount was charged to me as income and I paid state and federal taxes on that amount. Four years later XXXX XXXX XXXX  sent me a collection notice. I mailed their lawyer a copy of the debt right off. They still persisted. On XX/XX/2018 I sent Portfolio Recovery a check for {$2700.00}. On XX/XX/XXXX, Portfolio Recovery deposited the check. On XX/XX/2018 the check cleared the bank. Portfolio Recovery refuses to acknowledge payment. Disputes filed with XXXX XXXX, XXXX, and XXXX have failed. Copies of closed check sent to all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank denied me access to my checking and savings 360 accounts yesterday without reason or explanation. An ATM transaction attempted last night at their branch drive-up was also rejected. The only contact I received was an email yesterday saying that they decided to close all my accounts on XX/XX/2021, and that I should " restrict account activity. '' The following was flagged to both accounts on the app : " Funds are currently not available for withdrawal. '' I contacted the XXXX number listed and advised the management team of the illegality of denying account holders access to their own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: DISCOVER BANK
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested that a Discover Credit Account be removed from my XXXX credit file. The account lists me as an authorized user. I am not an authorized user on this account. I never gave my permission to be listed on this account. XXXX and XXXX removed this account from my file, but XXXX has not after multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I entered college with a full tuition scholarship. I took out student loans to cover room and board ; I graduated with {$15000.00} of XXXX XXXX XXXX now Navient ) debt. 
I 've been making monthly payments for nearly 10 years, solely to interest. I have n't even begun to deduct from the principal. Navient has made XXXX dollars and the pay-off is no where in sight. This is predatory and unmanageable. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second complaint being filed for XXXX XXXX for the two accounts listed on my credit report. 

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

XXXX XXXX sent a second letter stating no statements or current balance could be provided. The account is closed/charged off. 

Attached is the original letter for validation. XXXX XXXX 1st/2nd response for the two accounts in question.

This 2 account are to be deleted immediately!!!

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 2021-03-19
Company: EQUIFAX, INC.
State: CA
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:
XXXX I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second complaint being filed for XXXX XXXX for the two accounts listed on my credit report.

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

XXXX  XXXX sent a second letter stating no statements or current balance could be provided. The account is closed/charged off.

Attached is the original letter for validation. XXXX XXXX 1st/2nd response for the two accounts in question.

This 2 account are to be deleted immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XX/XX/2016 Stoneleigh Recovery Associates sent a letter detailing a debt they say I owe. 
On XX/XX/2016 I sent a response in which I denied the debt, asked for verification and specified DO NOT CALL. 
On XX/XX/2016 they sent a packet of paperwork regarding a XXXX credit card account in an attempt to validate the debt per my request. 
On XX/XX/2016 at XXXX Stoneleigh representative called my phone and denied receiving a response to their original contact wherein I denied the debt and told them in writing DO NOT CALL. 
The caller refused to allow my assertions and was very argumentative after I told him numerous times to contact me by mail only. The caller was becoming abusive and I felt no other option at that time other than to just hang up on the caller.

Company response to consumer: Closed with non-monetary relief