BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed a personal checking account held at what is now Santander Bank on XX/XX/XXXX. The bank has it closed as of XX/XX/XXXX. Regardless they still send me Statements, which show a XXXX balance. I tried on a number of occasions to correct this problem, get them to acknowledge that the account is closed and to stop getting the statement, both at the branch and with the Company headquarters. 

The latest attempt was on XX/XX/XXXX, where XXXX XXXX XXXX provided me with a letter on Santander letterhead, stating that I do 'not hold any open consumer deposit at Santander Bank NA '. He advised that I would not get any additional mailing from the company after XX/XX/XXXX. 

XXXX XXXX is a Santander Personal Banker at XXXX XXXX XXXX XXXX, XXXX NY XXXX Branch ( XXXX ) XXXX. 

Recently I received a 'Statement Period XX/XX/XXXX-XX/XX/XXXX Santander Value Checking statement '. It shows a XXXX dollar balance and below that in the section 'Important Notice ' it states 'We may begin charging an Inactivity Fee '. 

Kindly assist me in getting this account shut down and ensuring that Santander stops mailing statements to me. 

Thank you for your assistance.

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 2021-10-18
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Radius Global Solutions LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter in approximately XX/XX/2019 from Radius Global Solutions LLC, XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX, attempting to collect an amount owed totaling almost {$750.00} to XXXX XXXX ( my local internet provider ). I called them immediately and was verbally XXXX, and threatened with legal action if I did not pay immediately and over the phone. I told them I had already been in contact with XXXX XXXX   and not only is my account number incorrect on the collection notice, but I do not have any past due balance with XXXX XXXX. The rep repeatedly insisted I give my address and ss number, which I refused. I demanded a validation letter, and the rep hung up on me. This is fraudulent and a scam and I wish to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Frost-Arnett Company
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:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spoken to Cornerstone 's property tax customer service numerous times. The first time I called was about a month ago inquiring if they had received my homestead exemption approval. I was told they did not have the information and that I would have to submit this to them. I then contacted the tax appraisal 's office and was told the information in public and accessible to the mortgage company. I then called the mortgage company back and informed them of what I was told. I was then told it would take up to 3 weeks in order to get documentation from the tax appraisal 's office. I waited 3 weeks and called them back and was told it would take another few days to a week. So, I waited and I recently called on XX/XX/19 to check on the status. At this time I was told that they received an approval but did not know how much and then told me my taxes had increased tremendously. I was informed that my total taxes on my home that was appraised at {$380000.00} and tax rate being around 3.5 % would be {$24000.00} and then some. I told them that there had to be an error because that is incorrect. They insisted that this was correct. I asked to speak with a supervisor and was transferred and was told the same. I was told to reach back out to the county to find out an exact dollar amount as to how much I was approved to be exempt because it looks like the taxes has increased by a lot. I contacted the tax appraisal 's office and was told that the amount was not {$24000.00} and that was absurd. I was told it is estimated to be {$12000.00} and would provide documentation to send to the mortgage company. I have sent over this information to them but was still told I was wrong and that they contacted the tax office and that they have the correct numbers. I was told that they spoke to a person by the name of " XXXX '' and gave me the spelling of the name and that the county is the one who inputs the tax amount and that they do not input any numbers. I contacted the county back and was told that was incorrect because they do not have an employee by that name there. 
I have spoke to nothing but rude individuals at this department. The last encounter I had with them was today XX/XX/19 and this lady put me on hold for 10 minutes ( before I hung up ) to speak with a supervisor that she says can not do anything more for me that she could do. 
I was told my monthly mortgage will change from {$2800.00} to {$5400.00} in XXXX. This is absurd and not feasible. I would not even have qualified for this type of loan to begin with. I have never dealt with this being that this isn't my first rodeo with a mortgage company. So unprofessional and very discourteous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently contacted via email to request from American education services ( AES ) XXXX  XXXX asking if I could change my electronic monthly payment from the XXXX of the month to the XXXX of each month due to the fact that I am retired and my income in monthly social security fund that I receive I. The second Wednesday of each month. Unfortunately the second Wednesday is sometimes after the XXXX making having the funds available for my loan payment inconvenience. AES responded via email on XX/XX/XXXX granting the payment due date. My problem is that they also decided to recalculate my payments from {$190.00} to {$120.00}. This action would prolong the completion of paying off my loan and paying interest rates. I have been paying off this loan since 2002 and need to be finished as soon as possible. I simply want to continue paying the {$190.00}. I called their customer service and spoke to both a representative and then his supervisor. I was told by both that they could not change my payment due date without the recalculating of my payment. My only option would be to contact them each month and adjust the payment upward. I found this to be a thinly veiled way to exploit me and for them to squeeze more money out of me. My other option was to leave my payment due date of the XXXX to keep my payments of {$190.00}. I opted to keep the payment of the XXXX despite the constant stress this causes me. I do not appreciate the lack of professionalism and customer service shown me in this situation and would greatly appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last year I called and asked Discover card if they would lower my interest fees so I could pay down my card. I explain that I was only working part time. They said they had a program that would allow them to lower the card interest for six months. When the six months were over, they doubled the interest fees. Basically defeating the lower interest rate they had given me to help me out. I only asking for help to pay off this bill. I have always made my payments on time. I've been a very good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Knight Adjustment Bureau located in Utah is a debt collector, they are not willing to make a deal with customers about payments on their accounts, even though they have a web side where a customer can go and make a payment, they still send a letter saying they are not accepting partial payments on their accounts, XXXX the are requiring the total payment on their account, they dont care what is the amount on it, also they are adding cray % of interest on the accounts that are already in collection, for all the reviews online this people work this way to be able to take people to court and get more money on the top of what its own. 
Can somebody check on this and help, they can not be abusing people this way. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Chase. They refuse to provide the necessary information based on above mentioned letter ( Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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 been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last 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 2020-02-09
Company: AMERICAN EXPRESS COMPANY
State: FL
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/2019, I ordered flowers from online retailer XXXXXXXX XXXX XXXX for $ XXXX.and got an immediate confirmation of my order and funds were deducted from my American Express Serve Prepaid Card . I replied back to the company as to when the flowers would be delivered and they replied back that the order could not be serviced due to the holiday rush, and that a full refund would be issued to appear in 2-5 days. No refund. I inquired again and was advised that they had a system issue and a refund would be issued immediately and I could expect it in another 2-5 days. I immediately contacted American Express Serve and they advised nothing could be done by them for approximately 14 days, and to contact the company for a refund. I went online to research XXXXXXXX XXXX XXXXXXXX and there are hundreds of complaints about this company stealing money from consumers and not delivering goods. I only used this company because it popped up as a local florist. 
After several unsuccessful calls to AMEX Service, I was finally got an email with a dispute form attached to complete. I actually faxed this dispute information to AMEX serve twice and still no response from the company at all. As the dates show on the attached paperwork, weeks have passed and I have not heard back from AMEX regarding this charge and I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received the following notification from CapitalOne : During a regular account review, we noticed youve only been using a portion of your credit limit. 

To better fit your card usage, weve reduced your credit limit to $ xxxxx. 

Weve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending. 

Everything else on your account will remain the same, and well follow up with additional information by mail. 

Thanks for being a Capital One customer. 


Credit Score is impeccable, and we've never been late or defaulted in any way. We use other cards with rewards, and don't keep a balance to avoid fees. This seems like they're desperate and wanting to enslave people by scaring them into using their cards, and keeping a balance. We're not going to use their card more, but do just the opposite because of such antics. 

I think this is a predatory action taken by CapitalOne, and should be looked into. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Explained to the creditor that the account was settled and paid and they sent me a little explaining they received it and the account is settled now they are lying saying they never received payment or agreement to pay to delete account on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from FOX COLLECTION CENTER for XXXX XXXXXXXX in the amount of {$380.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

FOX COLLECTION CENTER did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPAA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against FOX COLLECTION CENTER should this item not be deleted within the required time allowed by law. 

FOX COLLECTION CENTER is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named XXXX XXXX XXXX has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. 

Please help me figure out what is happening. 

Thank you so much for your time and consideration

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 2020-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank is continuing it's institutional racism business practices, and collude with credit reporting agencies XXXX, XXXX, XXXX in erroneously inaccurately reporting my XX/XX/2019 mortgage payment as 30, or more days late. 

( Attached ) is my XX/XX/2019 payment receipt, which clearly shows that my payment was timely made at XXXX XXXX on XX/XX/19 which I have forwarded to ALL 3 credit reporting agencies requesting that they properly correct, and update their reportings to NO AVAIL .... 

This again is Chase implementing their institutional XXXX business practice to disparage, and suppress my creditworthiness, and employment viability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX  & Experian. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2020-12-15
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
In XX/XX/2020 Jefferson Capital Systems added a derogatory mark on my credit report. Thi account was originally a medical bill which was paid by my insurance prior to the creditor selling it to a collection account. I am no longer responsible for the account. I have had many unsuccessful disputes with the credit bureaus in reference to this fraudulent account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation