BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/19-received a letter from National Credit systems , Inc. XXXX , GA in regards to a debt owed. The original creditor was XXXX XXXX XXXX, XXXX, MD. I explained to them I had a pending law against the XXXX  's. I submit court documents dated XX/XX/2019, in regards to case number XXXX, Court date XXXX in Court Room # 3, in the District Court of Maryland XXXX County , XXXX XXXX XXXX, XXXX XXXX , MD. I won a judgment against the XXXX 's in the amount of {$2400.00}. I received emails from all 3 credit bureaus stating a collection again was entered on my credit report by the above credit systems. They were suppose to wait until the final court decision was decided. I was given instructions by the original debtor that I could have 6 months to pay the final {$1200.00}. This collection was entered before the final decision was determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased an airline ticket through XXXX XXXX on XX/XX/2019 ( XXXX ). The ticket price was {$300.00}. There was a promotional offer of a significant discount ( around $ XXXX {$200.00} off ) if I applied for an AAdvantage credit card issued by Citibank XXXX 
I applied for the card expecting the discount. 

After purchase, I was told that the discount didn't apply because I already had a similar credit card. 


I called customer service, and got bounced back and forth between XXXX XXXX and Citicards. I did get one offer from Citicards to receive the discount if I spent more money using that card.

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 2018-10-24
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a large deposit with the teller ( 03 ) at my PNC Branch ( XXXX ) on XX/XX/XXXX at XXXX. I also requested a new ATM/Debit card because my existing card had a degraded magnetic stripe. I gave my old card to the teller and was told it was deactivated. The teller then told me she was unable to provide me with a new card, and that it would take 7-10 business days to be mailed to me. This leaves me without electronic access to my account until next month. I use this debit card to pay my monthly bills, buy my groceries, buy gasoline, and order dog food off XXXX. I do not feel safe carrying large amounts of cash. The teller offered no recourse and was dismissive of the disruption this will cause me. Furthermore, the funds from the {$10000.00} deposit I just made are unavailable until the checks clear, so I can not just close this account and go to a different bank that is able to offer me a working debit card. I have been a PNC customer since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX with Advantage Collection Professionals, LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX, contacted me for a past due amount of {$190.00} from 2011, for a company called XXXX XXXX XXXX with phone number XXXX. I've never had an account with XXXX XXXX XXXX, nor had any business with them. They refuse to remove me from their system, and threatening to update to credit bureau if not paid.

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 2020-03-24
Company: EQUIFAX, INC.
State: SC
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of  my credit report. The items outlined in my dispute do not belong to me and is a result of fraud that I did not authorize. Im bothered by the fact your company sent me an updated letter stating you verified these inaccurate fraudulent accounts.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate. From my research on the FTC web site, you cant parrot information from the collection agencies, but you must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Optimum Outcomes regarding a debt I alleged owed for from XXXX XXXX Hospital in XXXX XXXX, Florida. It was alleged that I owed {$16000.00} for a procedure done upon me on XX/XX/XXXX. On XX/XX/XXXX I contacted the company to learn why I had received this letter. I was asked for my name, address, date of birth, and social security number. My date of birth and social security number were different from the person they were looking for and I was told the matter was closed. On XX/XX/XXXX I called the same company to request a letter stating that I am not the person they sought. I did so to avoid being harassed by this company in the future and to protect my credit rating should this fraudulent bill become an issue. The representative refused to provide such a letter by stating that " they don't send out such things. '' I responded that this company has no difficulty generating a letter to the wrong person and I wanted something in writing to verify that I was not the person with the debt. A short debate ensued and the woman hung up on me. Optimum Outcomes caused me consternation for I bill I did not owe and I had to take time to rectify their error which they could have remedied had they done their due diligence before attempting to collect a debt I did not owe. I should not be incumbent upon me, the innocent party, to fix their mistake. In addition, I can not see why the request I made for a letter stating that it was their mistake was so rudely denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Injustice anywhere is a threat to justice everywhere! THIS IS A RESUBMISSION OF A COMPLAINT THAT WAS NOT FULL COMPLETED! PLEASE BE ADVISED ... This complaint is against Bank of America, N.A., and XXXX, XXXX. Both financial institutions ' were given ample notice pertaining to Social Security Trust Account and to cease all deductions until further notice. Both institutions proceeded collections with prejudice and malice. On XX/XX/2019, regarding an allege debt in the amount of {$2200.00} respondent 's received a Dunning letter from legal entity concerning an alleged financial obligation owed to Bank of America.. Bank of America is where this issue all began. Bank of America was issued a Private International Remedy/Offer of Performance/Conditions Precedent Instrument ... Early on, I issue Bank of America a Notice of Presentment back in XX/XX/2019, in which I never received an answer from their Texas branch bank. The total sum of the complaint is {$2200.00}. The next complaint is against XXXX, XXXX, whom chose to continue debiting Social Security Trust account after receiving a Cease and Desist Notice on XX/XX/2019. Their continued harassment over the phone and predatory lending practices have placed the legal entity in evictions notice, due to their continued pursuit of a debt not owed. We respectfully ask for your intervention in these matters and assist in the return of all funds back to legal entity 's ' account ...

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 2020-10-13
Company: EQUIFAX, 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:
On XX/XX/2020, at approximately XXXX PDT, I attempted to get a copy of my free credit annual report but discovered I was locked out from getting such reports from the 3 credit reporting agencies. The reason for this attempt was I have reason to believe someone has fraudulently taken out a loan on my residence and I wanted to see if any loans show on my credit reports and if so, how much was the loan. I then attempted calling all 3 credit agencies. I was then asked four computer-generated questions to verify my identity. Questions involved answering questions requiring I give exact dates involving past credit accounts and financial transactions. Note : I'm XXXX years old and have failing memory and had no exact recollection of these dates. I was therefore told " I could not be verified. '' I was refused any further information regarding any loans on my home. I need help getting this information to prevent losing my home, if in fact someone has fraudulently taken out a loan on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I contacted Capital One about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that Capital may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from Capital One within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted Capital One a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted Capital One a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. Capital One handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. Capital One is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my mortgage assistance application to Rushmore on XX/XX/XXXX along with a Quit Claim deed From XXXX XXXX : XXXX has no vested interest in the property since XXXX, we do not have communication. I would like for my modification to be reviewed with my financial income along with my husband as a contributor since we are financially responsible for the loan. I have provided all the documentation requested from me. attached again is the quit claim deeded that was recorded almost 14 years ago if you could find XXXX and make her submit her documentation great however she has not contribute or been around for the last 14 years.

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 2020-06-24
Company: Eastpoint Recovery Group, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by Ms. XXXX XXXX XX/XX/2020 from XXXX ( XXXX ) XXXX. She left a voice message and I called her back and told her dont contact anyone but me and that they needed to validate the debt by mail to me. She Also did not fully verify my name. She gave me two address for me and stated they had mailed out a letter on XXXX I believe. I told her I didnt get The letter which she replied That I should had. I again told her I hadnt got it. She said okay call me Friday when you get it. I never got a letter and have it set up where I can see all mail coming through usps. 
I was contacted again by Ms. XXXX today and I again told her I didnt get it. She gave me the address and I told her Im at the 2nd address and I didnt get it. She then told me that my account was going to legal at the end of the month if I didnt pay. I told her I did not get a letter please resend it. She said they had already sent it and that it was going to legal At the end of the month. I then told her that if it went to legal I would show up in court and let them know I asked for a debt validation letter and didnt Receive please resend it. She then offered to email it which I told her no and I want it mailed she because very irritate and basically threaten me that they would take further legal action against me. I dont remember exactly what she said but the call should of been recorded. After her statement I told her that I felt like she was threatening me anD that I need the debt verified. Once I said that she did not say anything even after I said hello but the call was not disconnected until I did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: MS
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 credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage servicing company is Mr Cooper of XXXX Texas. And for the last 5 years, I have been paying them via a direct payment online on a timely basis. All of a sadden, Mr Cooper claims they've not received the last two payments for the month of XX/XX/XXXX and XX/XX/XXXX and started harassing me. I contacted my bank and produced a receipt of the transaction and emailed a copy to the Mr Copper more than once. My mortgage still shows delinquent. I contacted Mr Cooper several times and the issue has not yet resolved. I am concerned that they are really not trying to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, Transunion and XXXX. Any question can call XXXX XXXX XXXX at any time. More than a year ago you made the complaint by phone with the case number XXXX and I have not received a reply.

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 2018-10-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with TD Bank, nor have I ever opened an account with them. The info that I was able to get from XXXX XXXX XXXX  is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. TD Bank is not FDIC insured. I have requested a dispute through XXXX XXXX. I have run a credit report and TD Bank shows up as under " soft inquiries '' on XX/XX/XXXX. I called TD Bank on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

TD Bank : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: SUNRISE CREDIT SERVICES, INC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX XXXX. 

In XXXX, my ex wife ( XXXX XXXX XXXX ) and I decided to join our phone accounts ( XXXX & XXXX ) with one company ; XXXX XXXX XXXX mobility, however in XX/XX/XXXX she and I got separated and in XXXX of XXXX, the phone number XXXX was moved to a new billing account since that line corresponds to my ex-wife and she would take care of any subsequent payment from that line. I received an email from XXXX XXXX XXXX mobility confirming that request. Since that moment, my ex wife took care of paying her phone bill and to the best of my knowledge, she kept paying it until she moved to XXXX, around XX/XX/XXXX. 

My line ( XXXX ) was transferred to XXXX in XXXX of XXXX and I kept using and paying for it until XXXX of XXXX when I cancelled that line. 

I started receiving phone calls and letters from Sunrise Credit Services , Inc in XX/XX/XXXX, making me accountable for a debt of {$710.00} to XXXX XXXX XXXX mobility related to my ex wife 's line ( XXXX ), I started explaining the situation, I forwarded the confirmation of the accounts split from XXXX XXXX XXXX and at this day, Sunrise keep making me accountable for a debt that does not correspond to me, and now that debt is affecting my credit score. 

Based on this request and several conversations with different representatives from Sunrise collections, Inc, I request that the delinquent debt that I'm being held accountable for, to be dissociated from my social security number and hence not affect my credit score.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard 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 2017-06-20
Company: Advanced Collection Bureau, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation