BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Midland Funding several times and they confirmed that this account was opened with an alias, not my name but refused to furnish me with the requested information from the original creditor so I can find out how this account was opened. I have disputed with the credit bureaus which state that Midland is verifying this debt but not supplying documentation for this " verification. '' I have requested several times : The identity of original creditor. 
An ORIGINAL copy of the contract between the original creditor and myself ; with my signature. 
The proper and legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ). 
Proof that you are licensed to collect debts in insert name of your state ; A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown XXXX Proof that you the collection agency are in compliance within the statue of limitations for the state of Arizona. 
Verification or copy of any judgment ( if applicable ). 

This company as well as the credit bureaus have refused to supply me with this information and it has affected my credit and ability to obtain needed credit. This company also has obtained verification of identity theft from the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I do not understand why the CFPB closed Complaint ID XXXX. The issue was not resolved, Chase only answered that they have a right to close an account for any reason. They have not returned my funds that was deposited with them. They closed my account in XXXX 2020, and still have not returned my funds over two months later, as of this date XXXX XXXX, 2020. The letter dated XXXX XXXX,2020, referenced in their response to you, was never mailed to me, and promised phone calls to me not made. Why did I not receive any correspondence from Chase after my account was closed with instructions on when, and how my funds would be returned? The only correspondence is the letter, response, they gave to CFPB. After contacting the CFPB, XXXX XXXX, XXXX Ext XXXX, did phone me and assured me they wanted to resolve this. He informed me he was going on vacation and was referring my case to his associate XXXX XXXX. XXXX XXXX said he would follow up when he returned from vacation, which he never did. Repeated phone calls to not only the persons listed in my original complaint, but since to XXXX XXXX at XXXX Ext XXXX have gone unanswered. 
I followed up, and went to a local branch on Monday XXXX XXXX, 2020, with the verification Chase asked for in the letter dated XXXX XXXX, 2020, which I read as an attachment on the CFPB website, and my funds were still not returned. The branch manager, XXXX XXXX, XXXX of Chase located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, took all of my information providing the proof of the funds I deposited with Chase came from an account I owned. She called Chase executive offices while I was present, informing them I had the verification they requested, and they still would not return my funds. She said she would email them all the information they requested, along with a copy of my drivers license. XXXX XXXX said she would follow up with a phone call to them on Tuesday morning XXXX XXXX,2020 and call me also with the outcome, which she never did. I believe the original XXXX ID XXXX should not have been closed because there still is no resolve. I believe in my original complaint it asked how can this issue be resolved, and I listed return my money! Chase is illegally holding my funds, and not returning them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shel point mortgage is asking for bank statements and a letter hardship for COVID 19. 

I called and stated I have a COVID hardship. I was requesting an Forbearance extension and never had to submit this documentation before, so why has it changed. these times are very difficulty and i truly wish Shell Point Mortgage would educate their employees on the correct protocol due to COVID 19. 

The investor of my mortgage is XXXX Bank and I checked their website and they follow the same procedures as the CARES ACT, so why is Shell Point Mortgage asking for this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 I used Chase Banks online payment service to make an electronic payment from my checking account to XXXX XXXXXXXX XXXX for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by XXXX XXXX XXXX that the payment was never received. After filing a dispute with Chase, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to XXXX XXXX XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX ). Chase has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. After filing a complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau, I was told that another investigation was conducted and no payment was received. They urged me to work with Chase to have the payment reversed. I have attached a copy of Chases Proof of Payment sheet and two letters from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive noticed there are several items on my credit report that do not belong to me. Ive contacted all three credit agencies asking for further information verified. I have not received any information.

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 2023-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit reports to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letter to Portfolio Recovery Associates and XXXX with no response from XXXX, I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will file for litigation due to the stress this has caused me. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please see complaint XXXX Contacted Transunion several times via phone requesting they remove a fraudulent credit line inquiry made on XX/XX/XXXX. On XX/XX/XXXX, sent Transunion a request in writing via email, notifying them of the unauthorized pull on my credit report. Request was sent to XXXX per direction of Transunion representative asking to remove the fraudulent inquiry by unknown party of line of credit with XXXX XXXX. On XX/XX/XXXX, Transunion was provided with a letter from XXXX XXXX detailing their findings and a government issued photo ID to verifying my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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: Account information incorrect

Complaint:
This company which is XXXX  XXXX XXXX has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is TransUnion. They were the ones that refer me to FTC.

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 2020-01-28
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Naviant had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: U.S. BANCORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/XXXX2020 : I contacted USBank about an auto loan and began the process. -- - XX/XX/XXXX2020 : The online application repeatedly errored out so I contacted USBank by phone. -- - XX/XX/XXXX2020 : I settled on a vehicle and finalized my application. I was informed I was approved for the loan by both a USBank customer service representative, USBank Loan Processor XXXX XXXX XXXX ), and USBank Branch Manager XXXX XXXX XXXX XXXX for a term of 60 months at a rate of 4.59 APR and a payment of {$330.00} for a XXXX XXXX XXXX XXXX : XXXX. Upon arrival at the branch to finalize the loan I was informed the term was changed to 48 months at a rate of 4.34 APR and a payment just over {$400.00}. The branch manager XXXX XXXX XXXX XXXX was unable to contact a processor to revise the loan due to the time. He did contact the dealership which agreed to allow me to take the vehicle that evening with a deposit and collect the check from USBank later in the week after the correction. -- - XX/XX/XXXX2020 : XXXX XXXX contacted me at XXXX to inform me that the bank would NOT correct the loan term as agreed and had decided due to the age of the vehicle would now only approve the 48 months with the higher payment. USBank had already run my credit multiple times as a result of the online application errors and I already had possession of the vehicle with a deposit at the dealership ( not refundable, though I did not ask for an exception ). As a result I felt forced to accept the revised terms ( bait and switch ) from USBank in order to avoid resulting losses and costs. 

XX/XX/XXXX 2020

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 2021-12-05
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thunderbird collection Specialist Inc placed a collection account on my credit bureaus that does not belong to me. They just decided I am responsible for this debt for XXXX XXXX XXXX. I am not and have never been seen or consulted by any doctors with this organization. They fraudulently report this to the credit bureaus in effort to illegally force me to pay this bill that is not mine. They have no documents showing I received services or requested services from this provider. It is not my bill, I demanded they remove my name any and all of my personal information from their system. I have never received services from this provider. This has impacted my credit substantially and is causing me a great deal of stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Back in XX/XX/2020, myself and 3 other friends booked a flight to XXXX, XXXX. After US government came out and stop travel to XXXX for pleasure we had to cancel our flights. 

We called airlines. They stated their was a cancelation fee of {$980.00} but since we have insurance. Our insurance would cover the {$980.00} balance. They charged me the {$980.00} fee twice and as we canceled our flight. They also canceled our insurance policy.

Since then I have been calling Citi Double cash credit card monthly. To fix this situation. Everytime I speak with someone from Citi Credit Card. They have a different story, situation, etc.

I am beyond exhausted and tired of having to call this credit card company monthly.

Now since its been over 6 months. They have reported to credit componys. So my credit has dropped over 100 points and they still  don't know if they can resolve this situation. 

I am at a lost a this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX. Received an email from USAA credit card that my credit limit has been decreased from {$16000.00} to {$2000.00} due to " extended account inactivity '' and an inaccurate XXXX  XXXX XXXX. I monitor my XXXX score and it is XXXX as of XX/XX/XXXX, USAA has reported it as XXXX have filed a dispute with USAA over inaccurate score. I have an exceptional payment history and a 24 year relationship with the company. Last balance carried with this card was XX/XX/XXXX. I find it unacceptable and very damaging to my credit history that such a drastic decrease in credit limit has occurred without counsel.Over a {$14000.00} decrease!!. I spoke with XXXX, USAA executive resolutions, who was inflexible, uncaring and arrogant. 
The credit card division of USAA fosters extremely poor customer relations. USAA membership is only open to service members and their families, my husband is a veteran. I believe they are mitigating loses and penalizing me for not using their credit card for 16 months, this at a time of great financial uncertainty due to the global pandemic. Do they support our service members and their families? The credit card division certainly DOES NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I was charged without receiving the service listed in the amount of {$190.00}. I notified School 's First Credit Union the day of the charge with a detailed explanation. I also discussed this transaction with the vender later that same day and explained that I had already submitted a request for reimbursement. I've had to contact School 's First multiple times in reference to this transaction but the results have been less than satisfactory. Now, almost 2 months later, I am still waiting for a resolution. The vender has repeatedly told me they will refund the transaction. I need this resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There were a string of fraudulent charges on my credit card. This lasted a couple of days since the bank and credit card fraud detection did not notice. I notified the bank, and an investigation was started. The investigation was closed, and my request denied since the person who stole my credit card signed the receipts. I notified customer service of this, and was told that filing a complaint with CFPB was my only recourse.

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 monetary relief
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi im asking for a One time courtesy for one late that hit my account as stated on the letter that i got pregnant the same month i was hit with late on my account and i was never late with any of my accounts.

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