BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-10
Company: Media Collections, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had XXXX install Internet service on XX/XX/XXXX. I paid with my XXXX XXXX card. Two days later I calked to cancel. XXXX agreed, but the next month I got another bill from them. I called, they apologized and said it would be corrected. I contacted XXXX XXXX and put a stop on XXXX receiving any more funds. XXXX XXXX attempted to communicate with XXXX about a resolution. XXXX never responded, so XXXX XXXX resolved the situation in my favor and issued a refund to my account. 

In XX/XX/XXXX I got another bill from XXXX. The agent said they had never seen anything like this. They said that there was an issue with the refund and they couldnt figure it out. I told them to contact XXXX XXXX to figure it out, and to quit billing me. 

I received a letter from JXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter states that they are trying to collect a debt of {$110.00} on the behalf of XXXX. I called their contact number and spoke to a male CSR. When he asked me if I wished to dispute it and I said yes, that I didnt owe anybody anything, he started yelling at me and would not stop. I asked him repeatedly to stop, but he just kept yelling at me. This went on for a couple minutes, and the guy would not stop yelling, not for a second. I finally hung up on him.

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 2018-04-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my student loans and called Navient to begin making payments. I was given the PA address to send my payment to which was not the correct address for XXXX XXXX XXXX XXXX  loans. My payment was pulled from my bank account onXX/XX/XXXX and cashed by Navient on XX/XX/XXXX. I noticed it was not on my account and I called Navient to inquire. They stated they could not find the payment but I could submit my bank statement showing the payment was sent and cashed. I did this and did not hear anything back. I called again about 3 days later and I was told the request was sent to the payment department. The payment has still not posted and I call them daily. I was then sent a letter from Navient that my payment was located and sent to the wrong address. The letter did not state what they were doing with my {$400.00}. I called again and I was told the Treasury department now has the money and it would be applied to my account on XX/XX/XXXX. Today is the XXXX  and the payment is not there. I can not sign up for bank draft on their site because it still shows my account past due. I called them morning and was told another person at Navient would call me to discuss what is happening with my account. I was directed to their voicemail to leave a message and my number. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had this account removed over 3 times within the last year. XXXX keeps selling this account to different collection agencies. Once one remove it they sell it to another company. This is not my bill and I will not be paying it. I know its against the law to keep putting this on my reports then changing the dates that this account was open. They are reporting that this account was opened XX/XX/2018 and never paid. I have has XXXX XXXX for years and it can be proved.

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 2018-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an unauthorized quick by XXXX done on my Chase Checking account on XX/XX/18, Friday at XXXX XXXX PST for {$1000.00}. Chase could not prove it as fraud so they are charging the amount to my account. I provided them with the IP addresses of the devices that I use for online banking which is from my work station at work ( XXXX, CA ) and at home ( XXXX, CA ). The IP address of that particular transcation showed it was in XXXX XXXX. They still would not not overturn their decision. Their argument is that a new device was added to do that transcation and that a code was sent to my cell phone ( number on the account ) to activate that new device. My argument is that it was on a Friday, a work day, I was at work at that time - how can one be at two places at the same time? 
Please assist me on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Sir/Madam : THIS IS IN RESPONSE TO COMPLAINT : XXXX-XXXX YOU ARE ALLOWED 30 DAYS FOR A COMPLAINT RESPONSE On XX/XX/XXXX, I have sent letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL 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 2021-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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:
XXXX , XXXX  Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX   Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I received a notification from XXXX that my credit report had changed and that a new collection in the amount of XXXX from XXXX XXXX XXXX ( ERC ). I called ERC to find out where this collection came from and after collecting my name and Social Security Number they stated that they could not find it in their system. I was told to send an email with a screenshot of the collection from the credit bureau to them and at that time they could determine the etiology of the debt. I informed them that this was ridiculous since they were the agency reporting me, yet they could not find me in their system. At the same time, I asked them why there had been no attempt to collect this debt as I have not received any correspondence in writing. In fact, I was blindsided with this credit ruining collection. The agent on the phone had no response. After the phone call I attempted to take a screenshot of the collection, but was prohibited by XXXX due to their privacy. Two days later, I called XXXX XXXX on a different phone number to see if they could tell me where this collection was coming from and once again they could not find me in their system from my name and phone number and they informed me to send the credit reporting information to them by email and then they could find the debt. 
Finally, I am disputing 2 things. The first is that there was no effort to collect this debt. I have not received any correspondence by mail or telephone from ERC with an attempt to collect this debt. If they had made an attempt to collect the debt they would have had my name or phone number in their database. The second, is that I believe that it may be an invasion of privacy to request the debtors information from the credit reporting information as a way to validate the debt. In any event, if this debt is mine, I would like to pay it and since there was no attempt to collect the debt, I want it removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My Bank of america loan was reported as a charge off on my XXXX credit report. I was about to pay it off and the account disappeared from my online banking. 

How I'm I supposed to payoff loan? Why was I not been given a chance to payoff? 


BK OF AMER View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$28000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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 2019-01-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/XXXX I applied for an HSBC checking account and it was rejected because they " could not verify my identity ''. I thought I might have made an error in the application so I reapplied several times and each time I was rejected for the same reason. 
I am XXXX years old, retired and lived in Ct for 50 years.Prior to retirement I held several uS Security clearances. My credit score is about 800. 
I supplied HSBC with my drivers license info as well as info on an account at XXXX XXXX I have asked them many times what the issue is and get no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
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 do not owe there shouldn't be a collection i paid my bill with XXXX XXXX XXXX in full, it was equipment that was turned in a day late XXXX pardoned me and there shouldn't be a debt here is the report # XXXX XXXX XXXX XXXX gave me for this account for a follow up XXXX XXXX XXXX told me to call them in 7 days to make sure it was resolved they had no information for this collection. I have a new account with XXXX XXXX XXXX account # XXXX its not late. I think whats happening is these two accounts are being mixed up it looks like my recent account that i have now is in collection when it shouldnt be i'm sending the proof of my recent bill total owing {$64.00} which i already paid. and the old account # XXXX is on there for equipment returned a day late it wasn't put on file right away so it looks like i never returned it which i did. i can't find the confirmaition, XXXX will have to find it yet XXXX XXXX XXXX say there isn't an old account anymore. The collection agency has new account mixed up with old account closed. New account is not late at all. XXXX had no recolection of any information for me. not in collections. I need this removed immediately. im sending proof. the agency is reporting recent no wonder my credit score never goes up only down with a derogotory mark please have this removed its all wrong. im so stressed out about this. i couldn't get an auto loan and a homeloan. ive had so many im sorry we can not give you credit at this time so many. for a mixed up simple human error. Im so 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 2019-01-06
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX years old living alone on social security. I learned Judgment XXXX issued against me. I tired to make payments but unable to pay rent, buy food or cover my XXXX XXXX XXXX, medicine and had to stop. These high payments toward the Judgment made it impossible for me to pay for medication that is over {$1000.00} per pill. 

Without correcting the reporting of this Judgment the sale of my deceased brother 's estate is prevented. That property ; XXXX XXXX XXXX XXXX NJ. fell into disrepair and is in bank Short Sale. 

It must close Title so the outstanding mortgage debt will be discharged. If not - it goes to Sheriff 's Sale. Its mortgage debt will liquidate the value of my deceased brother 's home at XXXX XXXX XXXX. XXXX, NJ and there will be nothing left to help settle the judgment since this property has equity and I have nothing. 

I tried to ask New Century Financial Services to help correct the report but they do not answer my requests. I contacted their law firm XXXX and XXXX but found my letters were never answered since they closed business. The Estate 's real estate broker discovered the name of their new firm but they have not answered. 

A credit disaster can be stopped if they release only XXXX XXXX XXXX from the Judgment so its not sold at Sheriff Sale. Sheriff Sale takes away all the remaining estate 's value in XXXX XXXX XXXX. XXXX NJ. Judgment XXXX needs to be specifically placed against it alone. 

Credit reporting has to show its released from XXXX XXXX XXXX XXXX NJ and specifically..record Judgement XXXX on XXXX XXXX XXXX. XXXX NJ. 

My brother XXXX XXXX. I am the only heir and struggling to complete a short sale to avoid a deficiency judgment against what is left in the Estate. 

The only thing of value I have is what will come from the sale of XXXX XXXX XXXX. XXXX NJ. I won't be able to make any payments on the XXXX if the short sale fails and a deficiency judgment is placed on XXXX XXXX XXXX. XXXX the remaining value of that property will be lost. 

I want to settle what is owed on the judgement but without New Century Financial Services cooperation in updating the  reporting with a specific property lien, I have no prospect of having any money in the future to make a settlement of payments of the judgment.

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 2019-01-06
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Six years ago I was told by my bank ( PNC ) that it'd be in my best interest to invest in rolling over my XXXX into an IRA with them. My XXXX though I hadn't invested any money into it in 3 years it was growing good! It had grew several XXXX dollars with it just sitting. I also had company stocks. PNC charged me {$3000.00} to roll it over. I've yet to make that money back! Let alone any profit as promised! Also my stocks didn't transfer with my rollover. They said I have to write some company a letter! So why did I pay {$3000.00} cash for??? I still have to do the work?! So idk where my company stocks are! My company stocks we're from XXXX. I'm still frustrated and so very regretful of this rollover with PNC. My money was fine where it was! I rolled {$15000.00}, cost me {$3000.00}, my balance is {$14.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom may concerned : I have this XXXX XXXX XXXX credit card bill issues. 

I got the bill for {$17.00}, that is due XX/XX/XXXX. But since in late XXXX I was travel in XXXX till today, but my husband is in USA, and he paid the bill on line in XX/XX/XXXX. At the time he was making the payment, the balance shown was {$17.00}, even we were two days late. After paid for the bill, we did not use that credit card anymore. 

We paid the bill and thought we do not own the credit card. But in XX/XX/XXXX, after we had paid our full bill amount. The credit card company still charge us late fee and create a new bill for {$19.00}. Then in XX/XX/XXXX a bill for {$24.00}, in XX/XX/XXXX a bill for {$66.00}. Since we had signed up for on line  statements, and the email notification is going to my email account, but I was travel in XXXX all these time, not easy to access the email, and worst yet, I do not expecting another bill. Until my husband received the letter bill of {$66.00} in XX/XX/XXXX. 

In XXXX, I had contacted the credit card company, by phone XXXX, and told them our situation, they said they try calling us, and leave messages, but my husband check the phone call history, it only shown a few anonymous calls and no messages from the credit card company all these time. The credit card representative only agree to drop the bill to {$42.00}. XXXX and if I pay for that amount, then my account will be XXXX dollar balance. 

I do not agree with the credit card company 's charge, but I dont want the bill goes higher, so I agree to pay for {$42.00}. XXXX to bring my balance to XXXX   dollar first, and make my complain later. And I paid {$42.00} on XX/XX/XXXX.

I only two days delay to pay the bill before the due date, after all I did PAY for my bill before the next statement. If need to be charge, should only charge for that two days late fee only. The way the credit card company doing is ripping people off, they ignore my original full amount of payment, and make new charges to me, this is unreasonably, unfairly and discriminate, and because of these late fee charges, it ruing out my credit report! I am asking for a fair judgement!

Company response to consumer: Closed with non-monetary relief