BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
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: Information belongs to someone else

Complaint:
Attention XXXX  and if possible Experian and XXXX  Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct

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 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS DEBT WAS PAID IN FULL IN THE AMOUNT OF {$2500.00}, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: NY
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:
Submitted ID and social security card copies via online ( several months ago ) and via certified mail over a month ago as i was unable to access credit report. I believe equifax has the wrong last four digits of my social security. My credit card was closed and after filing complaint with credit card i was informed : On XX/XX/2018, we received an ownership dispute directly from Equifax. We conducted an investigation, and the account was permanently closed. The closure of this credit card which was my only card resulted in a drop of score from 700 's to non existence. Called via phone and was told they do have the correct social security so i am not sure what is going on with equifax and why the ownership dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday XX/XX/18, I contacted National Credit systems at XXXX, in reference to a debt that I owe to XXXX XXXX XXXX  XXXX of {$150.00}. I spoke to a XXXX and I told her that I paid the debt directly to XXXX XXXX XXXX XXXXXXXX because the debt was just now showing on my credit report but it was not showing National Credit System. 

To make a long story short, after I said okay bye to the rep, she called me 4 times back to back and on the 4th call, I told her not to worry about it because I was going to contact my lawyer, she proceeds to tell me " Well if you wasn't acting like a XXXX little child, I could've told you some important information ''. 

The fact that the rep called me repeatedly back to back and then to tell me her opinion about me, was wrong and then on top of that, she didn't provide the Mini Miranda which by law you are required to do, she didn't verify my info not provided her info. I didn't say it was okay to call my cell and she didn't ask or provide the cell phone script, is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past several years, we have fought for our home against OCWEN. They would take payments, place them in a side account only to stop accepting payments and send us to foreclosure. Finally, I was advused to take chapter XXXX  bankruptcy to save my home. Well, OCWEN once again, did n't report the negative escrow account until many months after confirmation. When they did finally report, the trustee wanted the bankruptcy dismissed. OCWEN has made errors in escrow account and will not correct. I was told to bring negative escrow and all payments up to date and the payment will return to normal and the bankruptcy will be dismissed. That info was courtesy of OCWEN in XXXX call center. Now OCWEN in US is telling me even if I complete the bankruptcy and all payments are caught up, the house is theirs and I will be evicted. I can afford my house. We have equity in the house. We have lived here for 20 years. They clearly want my home. They have destroyed my credit. Everyone I talk to about refinance says " I am sorry, but they are horrible. '' They can not help after what OCWEN has done. What can I do? Who can help? What is the truth? I know I am not alone. I never received a letter about the lawsuit against them or would have joined and lead the way. Please help me save my home of 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX disputed with XXXX XXXX XX/XX/XXXX disputed with XXXX I have Never been late paying this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: PA
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 called XXXX and Experian questioned an inquiries of XXXX, XXXX XXXX  and XXXX XXXX on my credit report. I told them that I did not make these two inquiries on my credit file. They gave me the run around.

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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.

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 2020-08-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase denied me for a credit card when I have no late payments, now utilization and not a lot of inquiries. I feel that they are being selective of the application process during COVID-19 and would like my application reconsidered. 

I am willing to go to the Attorney General in my state to get this approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wednesday, XX/XX/2021 I opened a chase first banking account for my sister. I already had a college checking, secure checking, and savings account with them. 
Within a day, my account was restricted for reasons Im not sure of. I have not made any suspicious transactions. Deposits, using XXXX, receiving direct deposits from my jobs and everyday spending. I went up to the branch to resolve the issue and I was told that the accounts were going to closed including my accounts. I dont commit fraud, I dont even write checks, I use these accounts to help me through my everyday life and I am really frustrated with this XXXX Corp and Ive tried to be patient but Im done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
since XXXX I was a member of XXXX  XXXX, I received a call from ABC Financial on XX/XX/XXXX stating that they put my account in collections for non payment and an expired card. I told them the gym has been closed since XX/XX/XXXX due to the pandemic and there was no way I could contact anyone there. Also based on Massachusetts Covid state law and regulations the gym was closed and I never received any emails, calls, or mail correspondence regarding reopening. the website still states it is closed I am uploading all supporting documentation because this is unlawful especially during a crisis where the entire world was closed and gyms are the last phase in Massachusetts for reopening in XX/XX/XXXX. I want all fees refunded for when they have been closed, I want this off my credit report and my gym membership reinstated. 
My contract is a month to month because the agreement was a 2 year obligation I believe so the charges should have technically stopped until I was able to go in the gym and pay for the month I feel safe enough to come in. 
I am a 5 year member

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Finance System of Richmond, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance on my card of over {$9000.00}. I requested the funds be returned to me over a week ago. I was told 3-5 business days. After that time passed, I called and was told it could be up to 2 weeks. No one will tell me what the hold up is and when I will be getting my money. I have never been late with a payment and pay my account in full every month.

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 2017-11-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am contacted the CFB regarding Midland Credit Management, FTC file # XXXX. Company was sent 3 dispute letters by me. MCM never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX& another again on XX/XX/XXXX. Both statements provided by MCM were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like MCM who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from XXXX XXXX XXXX/XXXX XXXX! I have been asking for a proper debt validation that company has failed to provide. Instead, MCM lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuses to remove XXXX XXXX XXXX from credit report. XXXX XXXX XXXX sold our lien during chapter XXXX Bankruptcy to XXXX lending who became XXXX XXXX loans. When XXXX XXXX XXXX sold the loan they sold all rights as the obligator of the loan. At that point the payments were made to the new lien holder. Had we defaulted the new lien holder would have acquired the loan as the new lien holder received the discharge by being the registered party with the trustees office at time of discharge. By law XXXX XXXX XXXX transferred the rights to the lien and discharge just as when XXXX XXXX XXXX obtained XXXX home loans XXXX stopped reporting our good credit with them and as XXXX XXXX loans acquired XXXX lending the information. About XXXX disappeared. When XXXX purchase the liability of the loan XXXX XXXX XXXX was no longer involved in the bankruptcy. XXXX XXXX XXXX need to be removed because two collectors can not lay claim to the same lien amount for the same obligate. When the trustee awarded the discharge it was to the lien holder at the time of discharge. When XXXX XXXX XXXX optioned the bankruptcy court for approval to sell the lien the rendered their right to the Discharge.

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 2021-06-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an issue with Midland Credit Management. Prior to the pandemic I had lost my job and all my credit accounts went into collections. I was able to make a payment plan with the company who previously owned this debt, and have made all payments as per the agreement. Midland purchased the debt, and again, all payments have been made as per the agreement. When I called to find out a payoff amount, I was told that the amount to pay it off is {$19000.00} - HIGHER than the currently owed amount. In other words, I have not paid anything on the balance after 3 years of steady payments if I attempt an early payoff. Their website does not define how the payment is applied, if there is any interest, nor if additional payments would reduce the debt load. Effectively, I am stuck with a 50 year payment plan. The original balance was {$19000.00} - I have paid {$140.00} a month for over three years, which causes them to say the balance is {$13000.00} - but when I call to find out the payoff I am told it is {$19000.00} This is definitely a predatory practice, when you can never eliminate the debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Key Bank wanted to charge a large processing fee upfront before handing a loan estimate. This is not allowed as per the consumer finance website " By law, the only fee that lenders are allowed to charge you before issuing a Loan Estimate is a small upfront fee to pay for pulling your credit report. The fee will usually be no more than {$20.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
False information was submitted to collection agency of failed payment and items left facility was closed this was in beginning of pandemic know evidence that items trashed was mine my name was not attached to it also XXXX rent was satisfied and received by XXXX the original apartment walk through paperwork indicates all wrong with unit upon moving in please provide management turnover from time I originally moved in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter to the Credit Bureau Experian asking for a validation of the account ( XXXX XXXX ) I got no respond then I sent a second letter on XX/XX/2020 and Still no respond..

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 2018-11-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with TD Bank in XX/XX/2018. I was told for the first 90 days my deposits would likely get a hold placed on them, including my paycheck. I was okay with this and understood. However, it's been well after 90 days and my paycheck gets a hold placed on it continuously. I get paid bi-weekly, generally the same amount, and I'm told by the tellers that the funds should be available the next business day. In my experience with banks, usually the funds are available Saturday if you deposit Friday, however this has not been the case except for one time. Since opening my account, my paycheck has not cleared as expected except for one time. This causes me to have to visit a branch, I've been to multiple locations and spoke to managers at 3 separate branches. I'm told these holds are dynamic, and that they can release my funds manually but can't give me a reason why it's happening. I've been assured it will be handled, but it still has not. I'm afraid to deposit my check into my account because sometimes the hold lasts 3-4 full business days, almost a full week from the deposit date. I have automatic bill payments going through, as most people do these days, and it will cause overdrafts, which I have to spend more time in the branch getting refunded.I keep being told the " back office '' needs to fix the problem, however consumers can't actually speak to anyone there. I went into the branch in XXXX, FL today, and spoke to XXXX ( XX/XX/18 ). He said he saw notes on my account relating to the problem I describe, but couldn't provide any details or updates. I just don't think I can deposit my paycheck again with TD Bank, it's becoming such a burden and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
This information is not being reported to the Credit Bureaus properly. This account is paid in full, but on my credit report, it shows I still have a balance. Attached is a receipt of my payment. Please correct this ASAP.

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