BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Client Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I gave permission to a collection agency to discuss with my mother ( I am not a minor, my mom was helping me out on some outstanding credit card debt ) one account. My mother paid a {$500.00} settlement and a few days later received a letter stating Returned Check Notice. Your receipt payment on the above referenced account has been returned as dishonored by your financial institution. When in fact we contacted our financial institution and they had never received any request for payment of a check to this credit collection agency. 
When my mom called back to discuss this one case and the accusation of a returned check, she was advised that I owed over {$5400.00}, which is incorrect. I do have another account with their office, however, they only had permission to discuss one account with my mother. They broke the Federal Law by telling my mother about another account that they did not have permission to speak to her on. They clearly violated the Federal Debt Collection Act and refuse to close out and mark these two accounts as settled, due to the violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contested fraudulent account with the credit bureaus multiple times. I have sent documentation to support claims that this account was fraudulent including police reports and Affidavits of Non Ownership and the account still shows as active. 
I have requested proof of ownership from the original creditor. Original creditor has never responded with anything. This is a fraudulent account that has had a negative impact on my credit score, my ability to rent a place for my family and I to live and has caused me to have to pay more for credit dependent services such as utilities, credit cards and insurance. 
Please have this account removed 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 2020-11-13
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The letter was dated, XX/XX/XXXX from XXXX XXXX regarding " Notice of Debt ''. In the letter, the " Date of Service '' indicated XX/XX/XXXX and a " Balance Due '' {$2100.00}. Per the letter, the Original Creditor was XXXX XXXX XXXX XXXX, and Current Creditor is XXXX XXXX XXXX. This notice of debt is for a patient name, XXXX XXXX. I AM NOT XXXX XXXX, nor have I ever used that name or alias at any given time. It is also important to note that I use the Department of Veterans Affairs medical facility ( ies ) for any medical-related needs. 

In the past, I have also filed an Identity Theft Report with FTC. The ID Theft Report that I filed was also due to fraudulent medical services and charges in which other collection agencies attempted to file under my credit report/file ; even after I made verification with those collection agencies that the information they have on file such as DOB did not match with my DOB. I have also filed complaints with CFPB regarding those fraudulent services/charges/collections. 

If the creditors may require further proof, I have a copy of the ID Theft Report that I've filed. I can also provide a copy of the letter from the Department of Homeland Security ( DHS ) informing me that my personal information had been impacted due to a privacy incident involving a database used by DHS/OIG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/21 I sent out a letter disputing the inaccuracies reporting on my credit report in hopes of having the issue resolved within the 30 days or 45. it has been well over 60 ays and there has not been any sustainable proof of the items being reported on my consumer report to be verifiable. this is causing me a great deal of interest each year. as to my understanding the bureaus are violating my consumer rights under the FCRA and TILA. please help me resolve this issue as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I started contacting companies on my credit a couple of years ago to fix my credit when I got out if the military. Consumer Adjustment was one of those company 's. I asked what debt I owed as I was unaware and the young man I spoke to was unsure. I asked if they would take a settlement for the XXXX original balance on the account he informed me that was not possible because that was what the debt had been bought for. I informed him I was currently in the process of applying for my VA XXXX and would apricate it if the company could please send me any type of paper work they had showing where the debt had came from. The company never sent me anything. I contacted the company again six months ago to ask if I could get the validation paperwork and they said that it had been sent to their legal department that the only thing I could do was pay off the debt, which I could not do because I live off my VA XXXX. I heard nothing Two months ago I began working with a XXXX XXXX to help resolve the last few credit issues remain after my divorce. This is when I again heard from someone at Consumer Adjustment. A woman Called me XX/XX/XXXX Asking me to identify myself when I asked who was speaking she insisted I confirm whom she was speaking to and that I was at my address. I informed her that if she was a debt collector she need to say so now or contact me via postal mail, She let me know that she was in deed with Consumer Adjustment and that if I did not pay my debt it would be reported to my debt. I then informed her that it had been reporting to my credit for several years and I would apricate it if she could tell me where the debt originated from. She, like the man I spoke to before, was unsure. I asked to be sent some sort of validation of debt as I had yet to receive any and was uncomfortable paying a debt I have no recollection of owing. She agreed to do so after doing so she tried to convince me it would be better for me to simply pay them XXXX dollars instead. I still have received no validation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: CMRE Financial Services, Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a wheelchair and on fixed income unable to work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been contacting Comerica Bank for the past 3-4 weeks attempting to close my bank account. Initially on XX/XX/2021 I called to close the account after having paid it to a XXXX balance. I was advised the account could not closed because that payment was still pending. I was advised once it cleared the account would be closed. I informed them Id like the account block from further charges because it had been compromised at which time they informed me they was not possible but they didnt see any upcoming/pending transactions. On XX/XX/2021 I logged back in to find the account still open and negative for approximately {$120.00}. I immediately called and was placed on hold while the previous call and account notes were reviewed. The representative returned and advised she was completing a form to have the account closed and that management had approved the reversal of the funds. She stayed the account would be closed in 24-48 hrs. It is now XX/XX/2021 and the account remains open and has now been assessed Extended Overdraft fees and has a negative balance of {$130.00}. They are now advising that the account cant be closed and Im responsible for the fees. Theyve also indicated they will research the matter more. Im fearful this issue is not going to be resolved, I will be held liable for the fees, and my credit will be impacted. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: M&T BANK CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called MT BANK to discuss options of reducing my credit card debt or monthly payments on a balance that currently requires over {$300.00} of min payment per month, due to the COVID-19 situation in which I was left unemployed. I talked to somebody who just told me to go to a website and get the " help '' from there. I was previously on that website and the only options they have were for mortgages and car loans and the like, and nothing that could be of help in my case, there were hardly any options for credit card owners and the only thing available was if my account was in " bad standing '', to use a form to apply to get it back to good standing. At the present moment, I'have not missed a payment due but I will in the next weeks and my call to the bank was to inquire about the ways to prevent that, by arranging some sort of alternative payment so that I don't lose my " good standing '' status! I am currently under a 0 % promotion, which will automatically turn into default 25 % or something like that if I skip a payment and will automatically incur THOUSANDS OF DOLLARS OF FEES AND PENALTIES, which I am naturally trying to avoid!!! This was clearly explained to the representative, who replied " WE are a business and you can apply for hardship relief only AFTER your account IS PAST DUE '' .... Basically they told me that they WILL CHARGE ME EVERY FEE, INTEREST AND PENALTY THEY CAN, and then start looking into my application to see " if '' they can do anything about that!!!! 
After repeating to the representative that I do not want to end up in that " after the fact " situation, she just told me " have a nice day '' and hung up!!!!!!!!!! 

I can not imagine a more blatant, brutal and arrogant disregard of somebody's hardship situation and sincere attempt to keep " good standing '' status!!!!!!

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 2019-03-29
Company: Experian Information Solutions Inc.
State: NC
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:
The credit bureaus are supposed to investigate errors on your credit report, and get back to you with the results, if you request it. I personally sent an investigation request to the three credit bureaus back on XX/XX/XXXX, but I still haven't received any responses. They are supposed to do investigations in 30 days. But its been a lot longer than 30 days, and I'm still waiting.

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 2016-10-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Ad Astra recovery services handles XXXX XXXX loans, that I have a loan with. A XXXX XXXX with Ad Astra recovery services, left a voice mail on my cell phone, stating his name, not his company and he stated " I have been served '' After he contacted me he called my place of employment, XXXX XXXX XXXX, and wanted to speak with my supervisor, my supervisor was not available so he spoke with another supervisor but not mine. XXXX XXXX told this supervisor, not any company he was with, but stated I have a package to deliver to XXXX XXXX. This supervisor with my place of employment, contacted security about this, because, they thought this might be a case of XXXX against me or the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These are not my accounts. I didn't authorize these inquiries, and there the name is wrong on my credit profile Please delete them 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 2018-09-11
Company: DISCOVER BANK
State: MD
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:
On XX/XX/18 I received an email from XXXX at XXXX saying that they closed down my account without any prior notice due to the following reasons. 

" Time since unsecured loan opened Derogatory public record or collection filed Length of time accounts have been established '' I gave them a call on XX/XX/18 at XXXX XXXX when their office opened to ask why they were my closing my account out of no where. They explained to me that they reviewed my account/ my credit report and they said because of the above reasons they have to close my account. They said it was closed permanently and there was no appeal process or anything I could do about it to reverse the decision. When I asked to speak to a supervisor I was told they were not available. 

I just recently paid off my balance in full for this account a month before they closed my account. My credit score is in the 700 's as well as I've had this credit card for over two years. They are my longest credit card length on my report. 

The unsecured loan they are talking about has just been paid off a week prior to them closing my account so it hasn't even gotten a chance to reported onto my credit as paid off. The collection on my account was a medical bill from a year and a half ago that was paid by a car accident settlement that I had to wait months to be paid out. As well as, it has been on my credit report for the two times XXXX has increased my credit limit and it was never a problem. Also, the lengths of the time my credit has been established makes no sense because they are my longest credit card I've had. 

I feel as though I have been unfairly treated by XXXX. My account was reviewed without my knowledge and closed without out any warning or notice. There is no appeal process and they are closing my longest standing credit card that I have. Them closing my account will affect my credit in tremendous ways including my credit length, my available credit line amount, as well as having a closed account on my credit report. Again as I stated before, I've been with them for over two years, my account was paid off, and my credit is in the 700 's. I just don't understand why my account had to be closed when they just raised my credit limit XXXX a few months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells fargo criminal bank institution did fraud and identity deft on my name. And possibly shared with that stupid and unknowing XXXX, XXXX, XXXX. This four criminal companies are holding my information without my consent.

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 2022-08-05
Company: JPMORGAN CHASE & CO.
State: PA
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 2 Chase credit cards. One of them ( Amazon card ) is being paid automatically from outside checking account ending in XXXX but I will close that checking account. My other Chase credit card is being automatically paid from outside checking account ending in XXXX which is good. I want my Amazon Chase credit card to be automatically paid from my XXXX account like my other Chase card. But when I tried to set up autopay through Chase website, it asked me to log in to my outside bank account which I will NOT do. I messaged through Chase website on XX/XX/22 and asked them to set it up, and XXXX answered on XX/XX/22 " We need to speak with you directly to resolve this issue. Please call us at XXXX XXXX XXXX XXXX. '' So I called that number and, after a time on hold, spoke with XXXX. She refused to help me and instead transferred me to XXXX from tech support who could not help me. Since Chase already has my outside checking account that is paying my other Chase credit card, Chase knows that that is a legitimate account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been having continuous issues since opening my accounts with Key Bank about a month ago. I opened them when I applied for a mortgage, and I think there was an issue in funding so I went to the XXXX branch to fund my checking account and got my account number. I have never been able to use online banking ( I think its been a month ). I called the call center multiple times, drove 45 mins to south bend to find out the branch was closed due to coronavirus ( my fault ), and then got scared this week as my first ever mortgage payment is due and I can not pay it. I emailed my contact who originally helped with my mortgage who put me in contact with another person is also helping to reopen my accounts. I have had all of my accounts cancelled- checking, savings, credit cards for no apparent reason. 

Called XXXX to get help paying my mortgage. I spoke to " XXXX '' around XXXX today XXXX/XXXX/2020 and was unable to be helped, manager refused to speak with me about my issue. This is after I gave them my SSN, address, name, phone, and account number. I was pretty hysterical ( sorry XXXX XXXX but I believe as a customer I am at least entitled to have the manager tell me directly that they cant help me, even if it was in a later call, which I agreed to, or to have them take a step to help resolve my issue. I didnt feel like I was treated as a valuable customer, and I have felt that the burden of fixing this problem has been largely on me. 

In contrast, I spoke with the call center XXXX/XXXX/20 around XXXX and spoke to an absolute angel who heard my concerns, was able to verify my identity, spent a lot of time trying to solve my issues and connected me back to the branch I opened the accounts with. I spoke to another absolute angel,  the branch manager at XXXX PA who is also trying to fix my accounts. I also previously spoke with someone from IT who put in a ticket and was also extremely helpful. 

I have no timeline for any of these accounts getting re opened, I dont know where my initial deposit went, and I can not seem to utilize the call center to help because I feel like I get treated with suspicion before being turfed to someone else. I have never had this much trouble with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please see my feedback to Case XXXX on why Ally 's interpretation of their own terms and conditions of the promotion they sent CFPB are incorrect and help me reopen the case. ( repeated in next section below ) Attaching letter I sent to Ally below where I had stated the CD I funded for the " new '' $ XXXX ( which is money I moved out of Ally earlier and resent to Ally, but as stated in my feedback and on the very terms Ally sent the CFPB, this is considered new money ) Item :XXXX Amount : {$100000.00} XXXX From Account : XXXX XXXX  XXXX XXXX Ending In:XXXX To Ally Account Ending In: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 2019-03-29
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Company continues to call and harass about collecting a payment when the payment was already made. Company then went on to state that they can call 2 times a day and attempt to collect a payment. So when they called the 2 times so far today, both times they were told the payment was made. I am surprised that a company can do this and expect CFPB to take action against the business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had requested to set up a payment plan since i lost my job, and american express had a agreed to it and still sent a late payment to my credit score even after i paid the bill on time. 


XX/XX/2017 XX/XX/2017 Late Payment Remark after company agreed to payment arrangement

Company response to consumer: Closed with explanation