BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: Midwest Recovery Systems
State: NV
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:
Midwest recovery systems has placed a collection account on my XXXX   and XXXX credit reports as of XX/XX/XXXX. The account was listed on the credit bureaus lacking sufficient information, which only shows a balance and lacks an account number, the type of debt or an origination date other than the date of collection ofXX/XX/XXXX. The debt does not belong to me. Midwest recovery systems not provided me with proof showing the debt belongs to me which would include a contract showing signatures or proof that any monies have been provided to me. They have only begun attempts to contact me. I have received calls XX/XX/XXXX at XXXX and XX/XX/XXXX XXXX. The attempts to contact me have been outside of legal times to make contact. I am currently in the process of purchasing a home and the company has caused my XXXX credit score to drop 78 points from XXXX to XXXX, and my XXXX   score to drop 69 points from XXXX to XXXX. The incorrect reporting has caused me to no longer be eligible for home financing programs and the loss of a down payment grant on a new home. I will begin taking legal action against Midwest recovery systems by seeking damages for the losses that I have experienced in regards to the collection placed on my credit files unless these items are removed from each credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive a debt collection letter. 
by mail that are unknown. 

XXXX XXXX XXXX XXXX //// Total Balance Paid, XXXX // Yr. 2016 ... ..other debts unknown../////// Current Creditor, XXXX.. par ) ..unknown ..

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 2018-06-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
opened online suntrust account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report

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 2018-11-29
Company: Allegiant Capital Recovery LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called my relatives on XX/XX/XXXX and gave out birthday and SSN over the phone to them. Spoke abusively to my wife when tried to call back about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: CA
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 am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account

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 2020-07-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased concert tickets for a show at XXXX XXXX in XXXX on XX/XX/2020 that was cancelled due to COVID. I was charged for these tickets back in XXXX of 2020, and I have emailed and called XXXX XXXX  over and over for a credit with no response. I then filed a dispute with my credit card company, TD Card Services, over a month ago, and no one at TD Card has been assigned to work on my case, which I was told today by a supervisor when I called to inquire the status. I feel I have paid for something that never transpired, and would like a refund ASAP, as I also feel I have been waiting long enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23
Company: Risecredit, LLC
State: TX
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:
A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. Rise should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in 2017. Please remove this entire fraudulent account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX is charging me {$2100.00} in debt but does not make sense because I had insurance at the time so that total is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I came upon difficult financial hardship after going through a divorce and then losing my job in XXXX due to Covid 19. I feel increasingly behind trying to pay my bills and food. I contacted Amerihome during this time to see if there were any solutions or options that would help me keep my home. I was looking for work but due to the pandemic it was very difficult. Amerihome did not offer any options of forbearance or loan modifications. I was told I had to pay the arrears which left me hopeless. Amerihome was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I dont know who Franklin Collection services is, and I have had this trade removed SEVERAL times from my CRAs because I do not owe XXXX XXXX XXXX. They continuously leave messages threatening to go to my job and home and take me to jail. I DO NOT KNOW THIS COMPANY NOR OWE any money. 

Franklin Collection Services opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Franklin Collection Services has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Franklin Collection Services. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account as a result of identity theft. I have trying to speak to these people and they are insistent that I give them money but I do not know them and I have tried to tell them multiple times at this is not my account they have called me repeatedly they have damaged my credit and I need this fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: TX
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 been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.

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 2020-10-15
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I was looking over my credit report and noticed a negative reporting from LVNV FUNDING LLC on my credit report for an amount of {$640.00}. The original creditor was named on my credit report as 01 XXXX XXXX XXXX REWARDS and state that it was opened on XX/XX/XXXX ( 5 mos ). This is not my account and if so it was a result of Identity theft. I want for review the original contract with my original blue wet ink signature for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment loan with high interest rate ( 95 % ) with LoanMe. I have no problem with the interest per se, but with the manner in which they allot the payments to principal. For example, the with the XXXX payment of {$670.00}, nothing was credited towards principle. With the XXXX payment of {$840.00}, only {$1.00} went towards the principle. This trend continues until the XXXX payment {$770.00} goes towards the principle. Is this legal. At this rate, I accrue about $ XXXX/mo on interest. Can you help me? Is the legal? This topic is very difficult to research. Their NMLS # is XXXX or XXXX XXXX # XXXX. /They are based in XXXX XXXX Ca. XXXX. Their phone no. is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
These choices weren't really up my alley on what I'm seeking help or information for, I'm going to paste the email I sent to dept of education bowworers defense. I haven't got an answer or reply from them so I'm reaching out to multiple people to see what my options are. 
" I actually have 2 different reasons i could possibly get borrowers defense for, just need some insight and a point in the right direction. 

the school i was attending closed, the problem is that its past the 120 day mark. I was a straight A student ( still have all deans highest honors certificates ) for the almost 2 years there. It was going to take me longer than 2 because i worked full time and went to school part time. While enrolled in school i was going to become a first time father real soon. I explained to everyone of my teachers the situation ( working full time and a father ) and not only told but asked them about taking some time off school and coming back when i got situated. not only did i get the approval i would get check up phone calls and emails on how i was doing and coming back. I had every intention of finishing my degree especially knowing i didnt have much left at all, then i found out on XXXX that it closed for good. 
my federal loans are through navient ( lawsuit against how navient handled loans ) while i was off my loans got put into deferment, i don't know much on how they ended up in default and with navient, i wasn't aware of the massive interest deferment would build up, i didn't learn about this until i tried to purchase a home for my family. My credit score had got completely destroyed, after getting a hold of navient, having my taxes taken twice, i was able to get an income driven plan set up, took a lot of money and time to get them in good standings, they gave me 2 years worth of deferment not knowing the interest penalty i would end up with ( used some here and there during tough times before i just learned what they are accused of ). and with the little bit of money I make and supporting a family without my degree i accumulate way more interest than i can even afford as a payment, it just went up over {$1000.00} on my credit last week. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told over the phone on XX/XX/2020 that I would receive a deletion letter after I paid the collection account. I received a letter only stating that it was paid. The collection was NOT deleted off of my reports. I disputed it with the bureaus and it is still reporting on them.

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 2015-03-26
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a loan modification back in XX/XX/XXXX, loan representive at the time was XXXX XXXX. I was told by XXXX XXXX back in XX/XX/XXXX that the loan modification was approved and that I would be receiving a package by fed ex to go over the terms. At that time I ask XXXX XXXX about the late payments he stated as long as I am under review for a modification the late payments is not a issue. Here it is XX/XX/XXXX never received the fed ex package with the so call terms. I 've been calling since XX/XX/XXXX trying to get an answer and I have n't as of yet ( XX/XX/XXXX ). This really bothers me been that foreclosure is very high in Florida. I need to know the status of this loan if I qualify for the modification or not. My plans are to keep this home but I definitely do n't want to get so far behind where I see there is no way to catch up. This loan was bought from XXXX back in XX/XX/XXXX, I actually was under a loan modification review with XXXX when this loan was transferred. BSI Financial Service has been giving me the run arounds since day XXXX, now I 'm told by XXXX XXXX that the representive I had XXXX XXXX is no longer with the company and that she ( XXXX XXXX ) will be my representive, not to my surprise XXXX XXXX states she can not find the loan modification package that was sent to my previous representive XXXX XXXX. To me another stall tactic to get my payments further behind so that BSI can put me in foreclosure. I need answer from BSI Financial Services ASAP ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is affecting my credit bureau, I received no notification in writing of this debt, I only came across it in XXXX XXXX and then disputed it, and it was removed, however I then went to XXXX and disputed twice, stating this is not my debt, and they did NOT take it off..the company is XXXX XXXX XXXX opened XX/XX/21 for Il Dept of XXXX XXXX with a balance of {$1200.00}, there is NOT an account #, I WANT THIS OFF MY CREDIT BUREAU/XXXX, this is NOT MINE, I LIVE IN TEXAS AND HAVED LIVED HERE OVER 20 YEARS PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Professional Medical Management, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just log in on My computer and XXXX XXXX ( XXXX ) credit bureau Collection back XX/XX/XXXX And at this time I use to have Insurance card has been presented, why you guys left collection bill on my credit report XXXX XXXX XXXX XXXX CT, XXXX Pa XXXX Dob : XX/XX/XXXX SSN : XXXX

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 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The Bank of America has closed my bank checking account on XX/XX/2020 without any reason. The case number of BOA is XXXX. Also, BOA has reported a suspected fraud activity on my credit reporting. But I did not do anything wrong. I have received funds from overseas which was my parents send to me. That fund is clean and trustworthy. As you know, the XXXX government controls foreign currency very strictly. So my parents have to separate the fund and send them to their BOA account and transfer to me late. That is the only way I thought may BOA is not satisfied.

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 non-monetary relief
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A few years ago, I want to say early 2000 's, I froze my credit with Experian after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Experian to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.

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 non-monetary relief
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to qualify my mother for XXXX. She is running out of money and will need to transfer to a XXXX XXXX XXXX. She has XXXX  XXXX XXXX XXXX with difficulty XXXX  and is XXXX  bound living in an XXXX XXXX XXXX. 
Capitol One Bank has been incredibly uncooperative in providing bank statements in order to satisfy the XXXX  5-year look back requirement. This is a requirement under the law yet they are refusing to provide it. My mother and I have spent no less than 5-6 hours on the phone with consumer representatives. They did send 8 months of bank statements but missed the other 29 months requested. Even though I have power of attorney, they would not send it directly to me so I spent 2 hours on the road to fetch what was an incomplete request. I received that correspondence XX/XX/XXXX so this has been going on for awhile. I hoping to move her into the new highly rated facility by XXXX while she can still private pay. These delays and lack of cooperation are putting her at risk.

Company response to consumer: Closed with non-monetary relief