BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a bill again that I have paid to collection. 

I had few unpaid bills from XXXX XXXX 's XXXX Hospital.  Address : XXXX XXXX XXXX, XXXX, NJ XXXX. 
The Hospital sent the bill to a collection agency " Wakefield and Associates ''. The bill was {$200.00}. I had made a payment of total {$150.00} ( {$53.00} three times ). So I should have a balance of {$44.00} left. But the collection agency ( wakefield and associates ) paid a total of {$60.00} ( {$20.00} each time ) to the Hospital saying I  have balance {$140.00} left. Their website is also saying that I have a balance of {$140.00}. But that is not right. I have proof of each payment. I should have only {$44.00}. Now the Hospital sent  another bill for {$140.00}. 

I called the " Wakefield and Associates '' agency but they said they closed the account and they have no idea what happened. They asked me to call the Hospital. I called to the XXXX XXXX 's Hospital and the Hospital but the Hospital said, they got only {$60.00} out of {$200.00}. So, I have to talk to the agency to fix the issue. 

Now, I am completely helpless. Both parties denied me to help here. 

Address of the collection Agency : Phone : XXXX XXXX XXXX XXXX XXXX XXXX ( toll free ) XXXX XXXX XXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
TRANS UNION REFUSES TO PROVIDE ME WITH A COPY THE LETTER XXXX XXXX XXXX XXXX XXXX SENT THEM CORRECTING MY CREDIT RATING.

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 2018-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One closed my new account after I tried to make payments through my bank. On their end, Capital One had my name spelled wrong from my correctly spelled application. When they tried to submit for payment to my bank, which I authorized, it automatically rejected them because of the typo. I informed Capital One of the error and they claimed to have fixed the typo to correctly match my information, so I tried again. The bank rejected it again and when I spoke to representatives, they said Capital One submitted the exact same information and did not correct the typo, so the system automatically rejected them again. But Capital One still closed my account for their error. I tried to resolve this with Capital One and have the account reopened, but was not able to. I continued to pay on the closed account bill even though they were at fault for the error, and have made payments since, except for last month ( bill due XX/XX/2018). Yesterday ( XX/XX/2018 )  they filed with the Credit Bureaus, claiming I am 60 days behind, even though I paid the regular bill for the previous month. And they have tacked on fees bringing my bill back up to the original credited amount of {$300.00} even though I have paid {$200.00} on the bill so far ( I only used the original {$300.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the process of our va home mortgage loan XXXX week fo XXXX. I informed Rocketmortgage / quickenloans that tartlet date is XXXX  of XXXX coz the seller will go back to his town in Idaho. Ive been emailing calling them for 3 weeks no update. This time I called and got mad now they are starting the loan process asking again all the requirements and did credit check 2x. This is really bad. Now theres no new update

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: NJ
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:
Dear Sir / Madam, I had initiated a dispute ( Confirmation Number XXXX ) regarding the fraudulent XXXX account ending in XXXX with your Company. It has been over 30 days and the account is being reported by Equifax alternatively as " CLOSED AT CONSUMER REQUEST '' & " CLOSED BY GRANTOR '', I understand.In fact I have nothing to do with this account ending in XXXX from XXXX as XXXX setup this account without my consent. XXXX has been sullying my good reputation by allowing the fraudulent establishment of this account in XX/XX/XXXX and reporting it. XXXX and XXXX have already blocked the XXXX account permanently.This account must be blocked by Equifax. I am filing this complaint to seek permanent blockage of this account and furthermore Equifax must not report any XXXX account with opening date of XX/XX/XXXX. This is one last time I am earnestly pleading with Equifax and I sincerely hope that Equifax will honor my request to permanently block XXXX account ending in XXXX with opening date of XX/XX/XXXX. If this request is not honored by Equifax, I will have no option but to explore pursuing legal remedies, due to the XXXX  and reputation damage I am suffering at the hands of Equifax. I have attached the FTC complaint, police report and my earlier letters to Equifax as required by FCRA 605 B. I am  hopeful that Equifax would block XXXX account permanently adhering to FCRA. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We need the payoff. 
We have been calling since XX/XX/XXXX to obtain a payoff to payoff the 2nd loan # XXXX We received the payoff from them for the 1st and paid that off already. 

Payoff request emailed XX/XX/XXXX Payoff request emailed XX/XX/XXXX Talked to XXXX  they said we should have payoff by XX/XX/XXXX called XXXX  on XXXX spooke to XXXX she said i would have the payoff in 5-7 business days. 

called and spoke to XXXX after 30 minutes got disconnected. 

called back spoke to XXXX asked for manager in escalation about payoff after 35 minutes got disconnected.

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 2021-01-27
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Equifax, XXXX  and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 XXXX I Deposited {$600.00} into Checking Account ending in XXXX, ATM did NOT process or Deposit Money into Account. I need A Refund INSTORE or Money deposited into said account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: SC
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: Other problem getting your report or credit score

Complaint:
Called spoke with XXXX in the Equifax internal consumer affairs dept.. Ask this young lady can I have my file released for 48-72 hrs so the bank can considered my application for a car loan due to the fact that my vehicle has just broke down on me. Now I have had several problems with this dept in the past concerning fraud alerts and other items concerning my credit report. This company went as far as telling me that they were not going to release my file for me to have some credit protection company look at it. Then I was told to give them my information to what company it is I am wanting to view my record at the time and their contact information. Now she is telling me to fill out a form XXXX that I filled out in XXXX 2017 and was told that I only need to fill this out once a year. I asked why do I need to fill this out again and she stated because they needed it. Well I told her I already filled this form out and what is the need for me to do it again for them to tell me they dont have it or it will take 48 hrs for them to receive. I asked to speak to a supervisor and she refused saying she was the highest level when in fact I know that XXXX is the supervisor over that area because thats who I ended up speaking to previously about this form that I sent several times. She refused again and I told her that she was denying my file to be release for me to get another means of transportation. I asked several times more to get to a supervisor and she still refused. Please help because I have asked for fraud alerts and my file to be removed from this dept because they are causing me more headache than the person that originally took my identity before. They are hurting more than helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: ACS Education Services
State: WI
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:
My husband and I have a Parent plus loan dating back about 10 yrs, originated with XXXX and now with ACS. Payments have always been made by mail. the past several years as our XXXX children graduated and money became more available to us, I made larger payments. I began to notice my statements were not coming monthly. I set up a on-line account and realized there were quite a few statements with 3 month lapses and sums of extra payments that were applied to interest and not the principal. I notified ACS by phone which requires a few auto dials and time. I instructed them that I would like to receive monthly statements even when I overpay in order that we could receive the benefit of paying ahead. I was informed that it could not be changed at this time but I would have to wait until another payment was made and I would have to call back when the next payment was being processed. Regarding the extra balance paid ahead, some of the money was applied toward the interest that accrued over the months that ACS did not send me any statements, making it look like they had been taking what I thought would be coming off my principal and instead using it to pay unpaid 2-3 months of interest. My husband and I have paid off many loans over the years, and never have I seen anything that resembled this. If I pay ahead on the principal, I always continue to get a monthly statement that updates me and allows me to budget. This, being a student loan at 7.25 % interest, which we have never been negligent on, should be much easier and user friendly. Our option is to attempt to contact ACS at the right time to change to monthly billing or take money from a retirement 401k and pay the XXXX XXXX balance off. Also, does not make up for the money lost when we thought our extra payment was being applied to our principal, and we did not realize that a statement had not come that month ; we had actually gone a month or at times 2 months without making a payment. At times it looks like our entire extra payment went to the principal ; I always write on the return slip to '' apply to principal. '' At other times it was going to interest which I have now found out was because no payment had been made for 2-3 mo., again related to no monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for SBA  loan in XX/XX/2020 under my name as individual XXXX XXXX ( XXXX  XXXX ) also under my bank account so in XX/XX/2020 i received XXXX in XX/XX/2020 the bank blocked my account which is XXXX $ and oblige me to open a business account to release the fund so i responded now its been 35 days allegedly under reviewing i went branch several time they told my contact management so i contacted management they told me visit the branch!!!!!!!!!!! many times and nothing changed ... so in need to set my business and bank refuse to unblock the account which caused to me business loss and delay i couldn't buy a new XXXX  car to start work or pay insurance i couldn't set up my XXXX XXXX in addition of through the pandemic period i never claim or receive any kind of unemployment or benefit please help me to sue this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi Bank fraudulently induced me into entering into a credit card with them when a customer service representative lied to me about an 18 month 0 % APR on all purchases. Then, when I brought this to Citi Bank 's attention, they closed my credit card account without my authorization. Both of these actions have caused me harm in the form of interest charges and hits to my credit score, when I could have gone with alternative products from alternative financial institutions. 

In XXXX of XXXX, I contacted Citi Bank via phone to close my AAdvatage  Citi Card due to horrendous customer service. Instead of closing the account, I was fraudulently induced into downgrading that card to a Citi Double Cash Card because I was promised a promotional APR of 0 % interest for 18 months on all purchases. I chose this card, over many others, exclusively because of this promotional 18 month APR. When I received my XX/XX/XXXX statement with an interest charge, I immediately contacted Citi Card. When I spoke with a Citi Card customer service representative, I was told that there was no 18 month promotional 0 % APR on all purchases, despite earlier promises to the contrary. I explained the fact that I had been promised one, they refused to honor the promise, and I then asked the customer service representative to explain options for closing the account. We ended the call without taking any further action. On XX/XX/XXXX, I logged into my account online and discovered that my credit card account had been closed. I, however, never authorized the closure of this account. That same day I contacted Citi Bank, where I was informed again that there was no promotional APR and that they would have to run a hard credit report in order to process a request to re-open the account. Because of my large outstanding balance resulting from large purchases I made because of the promise of a promotional APR, I had no choice but to acquiesce. 

Citi Card 's actions have caused me financial harm in the form of interest charges and credit score hits caused by the unnecessary pulling of a credit report for the reopening of an account that should have NEVER been closed. Citi Banks actions shock the conscience, from fraudulently inducing a customer to maintain an account with them to repeatedly lying so as not to honor promises they explicitly made.

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 2020-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX I have sent them numerous letters asking for proof of debt and they have yet to provide me anything with my signature. I have never done any business with this company and they are reporting on my credit report a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is now CFPB complaint number 4. Yes, this is the fourth time I have submitted a complaint against this company. Although we have made VERY LITTLE progress they're still violating our consumer rights! My daughter and I called, faxed and emailed this company over 30 times within the last 3 months requesting that they mail us BOTH a FULL, COMPLETE, PRINTED COPY OF OUR PERSONAL CONSUMER REPORTS. WE HAVE NOT RECEIVED THEM! We did  receive a PARTIAL report from them in XX/XX/2020 which we later learned was NOT the completed report. We were advised over the phone on countless occasions that we have more than ONE consumer number! We have requested that the company DELETE, REMOVE, DISPUTE AND SUPPRESS ANY AND ALL DUPLICATE FILES! We have requested this via email, telephone and now fax! We have literally sent over 30 faxes to this company. We have began faxing all correspondence that we received from them beginning in  XX/XX/2020 along with the copies of the CFPB complaints and emails that confirm that our files should be deleted AND suppressed. The company has refused to send us BOTH OUR OWN PERSONAL SEPARATE copies. It has been OVER 90 days since we requested our consumer reports and still have not received them. It has been over 30 days since we began the dispute process and have not received updated results nor an updated copy of the consumer report. They claim that some information has been verified and validated but never sent us the proof of verification. What was verified? With who? Where are the verified documents? What agency or company verified the information? The reason for my continued complaints is to build a paper trail to make my lawsuit easier to win when I show proof that the company is fraud! The contact person XXXX XXXX is a liar! She barely responds to the emails and when she does, it's not specific and she doesn't actually answer any questions that are being asked of her. Too much time goes by before she actually responds with no information. Just a waste of time talking and emailing her. I have recorded calls and fax transmittal 's. This company 's credibility should be monitored and investigated more thoroughly. Inquiring about starting a class action lawsuit as I'm learning that my daughter and I aren't the only individuals that are experiencing these issues with them. WE HAVE CONTINUOUSLY REQUESTED TO HAVE ALL DUPLICATE, INCORRECT CONSUMER NUMBERS AND CASE NUMBERS REMOVED, DELETED, DISPUTED AND SUPPRESSED! ALL DELETED FILES SHOULD BE SUPPRESSED TO ENSURE THAT THEY ARE NOT ADDED BACK TO THE CONSUMER REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX sent me a fraudulent bill for a car I never rented

Company response to consumer: Closed with explanation