BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: CCS Financial Services, Inc.
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported an account from XXXX on XX/XX/2017 in the amount of {$240.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AMERICAN EXPRESS COMPANY
State: PA
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 have had the same American Express Hilton Honors Card for 13 years and it has been the primary card I use for 80 percent of my purchase transactions. I have been paying off the balance on this card every month with the same Online Bill Pay transaction process from the same XXXXXXXX XXXX Checking account. 

On XX/XX/XXXX. 2020 I made a payment in the amount of {$1300.00} to American Express from my XXXX Checking account via Online Bill Pay which was successfully withdrawn from my account. The funds were never applied to my AMX credit card.

I filed a missing payment dispute with AMX immediately and was requested by AMX to send them the payment details of the transfer which was provided to them by XXXXXXXX XXXX. 
The details included in the funds transmittal from XXXX were : Electronic Trace Number File Trace Number Pay To Account Number Payment Amount Payee Routing Number Payee Bank Account Number After receiving the payment details from XXXX, AMX responded and indicated that their back office could not find the payment and closed the dispute. 

I opened a second dispute, where XXXX Bank for the second time provided proof of payment to AMX in which they responded that if the payment was successfully sent they would have applied to my account.

It is now six months later I have filed 5 additional disputes with AMX. AMX has replied with similar but different vague answers and closed the disputes. XXXXXXXX XXXX has also continued to provided payment details to AMX and contact their back office. AMX back office has however refused to speak with XXXX to resolve the issue or review the transaction details. 

I have called AMX customer service 13 times over the last six months and have asked for a direct contact to resolve the issue. I have talked to 3 different floor supervisors with no help or resolution. The last contact I had with AMX was with a supervisor XXXX in which he escalated this to upper management. He contacted me on XX/XX/XXXX and indicated upper management was taking over the dispute and I have not been contacted from AMX since.

This morning AMX again closed the payment dispute and are demanding payment. 

I myself and my bank have provided evidence and proof the payment was successfully sent and received by American Express. American Express has or can not provide any evidence they did not receive the funds. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to complaint XXXX. 

In response to my complaint against SPS ( Select Portfolio Servicing , Inc. ) they sent me a letter stating I am in default on my loan. 
Not only is this completely false, it is punitive and retaliatory and completely unacceptable. 

It appears that SPS is demanding that we pay our entire mortgage in full by XX/XX/XXXX, which is not going to happen. I am submitting my timeline with this incredibly inept loan servicer which has completely screwed up my loan from day one, along with the new threatening letter. 

Looking at more than 1200 complaints against this company on the CFPB site, it's pretty clear we'll be needing a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase committed fraud then claimed they didnt own the house now bought the house for {$500.00} which is well below market value. Their representative told me on the phone when he called from their " Executive Office '' SO WHAT IF CHASE BOUGHT IT FOR {$500.00} THAT IS NOT AGAINST THE LAW. Then they answer the complaint claiming JP MORGAN CHASE DID NOT PURCHASE THE HOME ... ... Please find attached the REFEREE DEED STATING THAT THE PARTY OF THE SECOND PART ( JP MORGAN CHASE ) paid {$500.00} FOR THE RESIDENCE. THIS IS A PERFECT EXAMPLE OF THE CONTINUOUS LIES THAT JP MORGAN CHASE PERPETRATES. THEN THEY CLAIM THEY HAVE ALREADY ANSWERED THE COMPLAINT. THE ONLY ANSWERS THEY HAVE GIVEN ARE INACCURATE FALSE AND COMPLETE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A third party operator keeps calling my place of employment, they represent a third party debt collector. I 've never provided a general phone line to my place of employment, and have told them repeatedly that I can not take personal phone calls. The company is called MCM. What concerns me is how they got the phone number since I never provided it and why they continually call when I say I can not take personal calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a joint account with my ex-wife for our son in Suntrust bank. I was the only one who put money in it and it was used whenever he wanted to buy something, regardless whom he was with. The ex did something that caused the joint account to go in the negative ( XXXX and change ). She claimed it was fraud, however, if it was truly fraud she would eventually be reimbursed. She began paying on the amount ( XXXX ), bringing it to XXXX. She stated she was going to leave the bank, which concerned me that the bank was going to take the money from me instead, when I had nothing to do with whatever she was doing. I spoke with the Fraud department and they assured me that they would take the money from her account to make it whole and I had nothing to worry about. The very next day the bank held XXXX dollars from my savings account that was used to pay taxes coming up. I again spoke with Fraud and this time they said they were going to hold my money for a short period of time ( about 2 weeks ). My ex then paid XXXX dollars on it and was told that as long as she pays XXXX a month they would leave everything alone and not take it out of my account. After the 2 week period, they released my money. I began the process of moving to another bank as I was disgusted with their attitude about it and after a day or two, they took XXXX from my account to bring the account to XXXX. I voiced my displeasure as to how the bank essentially assisted my ex in making me pay for her irresponsibility and they told me if I wanted to get the money back I would have to take legal action or get it from he ex.

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 2022-01-12
Company: Experian Information Solutions Inc.
State: FL
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:
Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

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 2019-04-09
Company: Riverwalk Financial Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX recently reported a collection account on my credit report. Prior to the appearance of this account on my credit report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have now been contacted by five ( 5 ) Collections Company in this regard over the last 2+ years. Without trying to be rude, I HAVE NO DEBT! 

I do not know why they are contacting me but but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX  XXXX ( XXXX ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX XXXX via their website with the same information given to the previous three companies. Now I have received another debt collection letter from Convergent again for same debt that I do not owe. I tried to call them today since they do not have online disputes and after talking to Representative, XXXX, and explaining everything, she told me I needed to hold on and then disconnected.the line. I waited and received no call back so I am on the line now for over 30 minutes minutes and finally got XXXX. Now after explaining the story again and asking not to be contacted anymore as this is harassment, she told me she had to get more information and then for 2nd time the line disconnected. I just contacted XXXX XXXX XXXX who has my home phone land line service. They verified no interruptions and the call was dropped on Convergent 's end. 

I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 4 ) collections companies when they are the fifth company pursuing a false claim. The mistake was on XXXX 's part and not mine. They acknowledged this in 2017 when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... .. 

This is harassment on both you and XXXX part by continuing this as I have proven my " No Debt '' on four ( 4 ) previous occasions. I have told them all if they contact me again or pursue any further actions based on this false issue it will be handled by every legal step available to me by law and venue. Regardless of this, they ( XXXX ) just sends another company. 

Please help me end this or tell me the legal avenue to pursue. It has to stop. 

Thank you.

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 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I called bank of America to replace my credit card on XXXX.And the phone customer service told me the new card would be mailed within ten days, I waited two months, called and he said my credit card account had been closed. Then I called a lot of times to get the problem resolved for me. They said they closed my account because of a misunderstanding. Just the only credit card I have. So I don't have my full credit anymore. Resulting in me not being able to open credit cards anymore.

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 2018-01-12
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NJ
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 have called GSMR multiple times over the last year regarding my loan payments. I have been enrolled in autopay for a number of years and noticed in XX/XX/XXXX my payments stopped being collected for no apparent reason. I was informed by GSMR that this was because I entered a graduate program and the loans were in deferment. I requested that my loans not be placed in deferment, and that I wished to continue making payments on my account. I was informed by a customer service representative that I would occasionally miss one month, as their process was automatic, but there were notes made on my account and the autopay would pick up the following month. Whereas I didnt fully approve of this explanation, I went with it as I didnt feel like fighting. I notice today that apparently they have not pulled a payment since XX/XX/XXXX. I feel this is an unethical business practice, as they cancel my autopay, with no notice to me, and continue to rack up interest on a loan that I have been attempting to pay. This organization makes it so difficult to repay your loan in hopes that they can continue to collect interest from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: GA
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 recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.

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 2022-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXXXXXX XXXX Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$450.00}, XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Certegy Holdings, LLC
State: NE
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:
On XX/XX/XXXX, I presented a check in the amount of XXXX at XXXX XXXX XXXX. It was declined and the merchant gave me receipt with the information to call Certegy. I did and requested my file. It was sent. First, there is missing information and unverified information ( DOB ) and the reason for decline is too vague. I, as the consumer, can not request validation as I am not being provided with the specifics for the declined check. It gives code 04 : which states " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. '' The file goes on to provide OUTSTANDING items : which is blank. I haven't written any checks that would be outstanding and/or not paid-defaulted. It states the information retained can remain on my file for four years from the check date or until by the reporting source to remove. I am unaware of any company reporting anything and Certegy isn't providing the information for dispute, validation, or fraud investigation. I reached out to customer service on XX/XX/XXXX and spoke with agent, XXXX, while being rude, stated their is no validation or fraud process. Additionally, I am in the process of chapter XXXX bankruptcy so being denied any owed debt is not allowed.

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 2018-01-12
Company: Atlantic Credit & Finance, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The first time the rep called me I politely asked them to send me only paper mail regarding this matter but they continue to call consistently.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act. XXXX XXXX, has violated my rights.

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 2022-01-12
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to the bank of comerica bank to do a cash advance on my debit card for the amount of XXXX which are my XXXX benefits the teller on XXXX they said it was denied on comerica end on which it cleared from my account never paid. Fraud and I feel the lady did it on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 informed Transunion that 2 accounts on my credit file XXXX/XXXX  in the amount of {$1500.00} and {$1000.00} do not belong to me. I have sent Transunion a copy stating that I had nothing to do with these transactions and have not benefited from them at all. I have notified Transunion that the information is a result of identity theft, I have filed an identity theft report and gave Transunion a copy, I have provided a statement that the information relating to any transaction concerning the above mention account is not related to me. Yet Transunion failed to block this information and investigate.

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