BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not my mine. I highly believe this account is associated with my stepmother whom is now deceased. I have disputed the account multiple times but no avail or assistance from the bureaus. PLEASE assist in having this account removed from my credit credit report. I also had another account from this same company that I highly believe was associated with my deceased step mother as well but that account was removed from credit file. Now, I just need this one to be removed as well. 

AFNI, INC Date- XX/XX/2020- I DID NOT OPEN AN ACCOUNT WITH COMPANY IN THAT YEAR Account Type- Collection Department/Agency Amount- {$520.00} Disputed- XX/XX/2020, Results on XX/XX/2020- Updated Disputed- XX/XX/2020, Results on XX/XX/2020- Updated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Stewart Information Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We purchased the timeshare in XX/XX/XXXX. Our children were young, and we used the exchange to  vacation with them. After the children grew up, my husband and I continued to use the timeshare. When the maintenance fees began, we paid as expected. We are seniors now ; both of us were laid off and we have only Social Security as income. The invoice for maintenance fees was sent in XX/XX/XXXX and, in good faith, we paid them because we could. However, we noted that we could not continue to pay them because our income was insufficient. We had met with a bankruptcy attorney, and decided that it was our only relief. Our bankruptcy was filed, and all creditors, including our timeshare, were notified and given the hearing date for creditors. The timeshare creditors did not respond. All debts were XXXX on XX/XX/XXXX. Later that year, we received the XX/XX/XXXX invoice from the timeshare. I sent a letter explaining that we had to file bankruptcy, and were no longer owners. They did not respond. When it was clear that we were not going to pay any more, we began receiving threatening letters even though we no longer held any claim to the unit. The timeshare inventory agent told me that they had been made exempt in the bankruptcy law. I reviewed that law, and found that it spoke of " ... intentional wrongdoing '' by consumers, and " ... society 's interest in excepting those debts from discharge outweighs the debtor 's need for a fresh economic start. '' We take exception to that because we knew nothing of the law, and the timeshare did not respond when notified by the bankruptcy attorney. The fact that we surrendered the timeshare unit, and had it included in the bankruptcy, without dispute from the timeshare agents, should relieve us of any further attempts from them to collect from us. This is not a " postpetition assessment '' issue. If we had been advised that by paying the XX/XX/XXXXmaintenance fee it would exempt the timeshare from bankruptcy, we would not have paid it - again, we were acting in good faith. In turn, they have 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 2018-10-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX XXXX Western time, two unauthorized transactions were made on my Chase checking account. One was made in XXXX XXXX, California at XXXX of {$200.00} and the second in the same location, day and time of {$300.00}. Chase Fraud called me at approximately XXXX. I told them I did not make those purchases. They closed my debit card and issued me a new one. The Following day XX/XX/XXXX they issued the credit back to my account. XX/XX/XXXX, in the evening I received a notification of insufficient funds in my account. I immediately called Chase and they stated that they reversed my claim but wouldn't give me a reason as to why. The customer service rep asked me if I put my pin number on the back of my debit card. I denied and she stated she would put that information into the claim and resubmit it. I would get an answer in 3-5 business days. Chase left me with $ XXXX in my account and continued to charge me for having insufficient funds. 6 days later I receive no information on my claim so I call Customer Service once again. They continue to tell me that my claim has been denied because my pin number was used during the transaction. Later that day I headed to the Chase Branch in XXXX XXXX, WA on XX/XX/XXXX. I talked to Personal Banker, XXXX XXXX XXXX. He seemed really surprised and stated that THREE other customers came in the last few days about the same exact issue, with the same exact transactions. It surprised me because this town is extremely small.Their fraud transactions were also made at XXXX in California. 

He continued to call chase fraud department. They didn't seem convinced.He told me that he would try again tomorrow and give me an update then. Two days later I get an update and he states that he called five different departments, and they still denied my claim, and added that one of the people he talked to would add more details about my case to the system. He advises that I call Chase Claims and see if they will reopen my case with the new details that were added. I immediately called and they stated they will not reopen my case unless I have proof of my exact location the time of the transactions. I thought that me living in two completely different states would be enough but I guess not. I also used my debit card at XXXX that same day of the fraud transaction ( XX/XX/XXXX ) at a DMV in XXXX , Washington . It clearly shows on my bank account but they still refuse to give my money back. Also my last name was changed during this process due to the fact that I'm married and my maiden name was on my previous debit card. It changed from XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XX/XX/2020, Discover Bank opened a money market account in my name. I did not instruct them to do so. I have asked a manager at Discover Banks XXXX Customer Service group to contact me via phone to discuss this issue, but she has not done so. She ( XXXX ) told me via email on XX/XX/XXXX that she considers the matter addressed since the account has now been closed ; however, I dont believe the situation has been adequately investigated and reported to the appropriate regulatory bodies. This is an account that I did not request, and should therefore raise some level of alarm within and outside of Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: NJ
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 would like to file a complaint against Experian for discriminatory actions against minorities. Currently, this company refuses to correct inaccurate data information on my credit report. They continue to report erroneous information. This company has also mailed my personal credit report to my previous job address, which I never gave them permission to do so in the months of XX/XX/XXXX to XX/XX/XXXX. I already sent them correspondence with my home address of prior record being XXXX XXXX XXXX. This company refuses to remove incorrect information such as XXXX account when they reporting it as late, when this account was closed since XX/XX/XXXX. 

I reached out to Experian and they refuse to investigate the matter. I can not even submit a request online to submit a dispute. There are approximately 5 accounts in which they refuse to correct on my 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 2021-04-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Rushmore Loan Management Services in XX/XX/2021. Shortly thereafter, I received a letter from them requesting proof of insurance. I immediately provided them with a copy of my XXXX/policy page listing my coverage amount ( plenty to cover mortgage amount ) and the organization was listed as mortgagee/loss payee. Two months later I am still getting notices that they have not received my insurance information. My insurance company has sent it, I have mailed it, I have faxed it and my insurance company sent it a second time, however, I am still being told they do not have this information. At this point I assume they have placed homeowners insurance on my loan. I will not pay any additional insurance due to this organizations incompetence 's. I dont know what else I can do to get them what they need. Clearly the issue is at their end because I have all the receipts of delivery. I have contacted this company five times and again today. I spoke with a manager today, XXXX XXXX at XXXX XXXX XXXX who assured me she would call my insurance agency immediately to get a copy of the insurance binder. As of XXXX XXXX my insurance company has not heard from her. XXXX XXXX was also going to inform me when she contacted them. Ive received no call back. I dont know what else I can do except ask for your help. I certainly am not going to pay for additional homeowners insurance when I have had home owners insurance in place, with the correct loss payee listed, since the inception of this mortgage. I appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much 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 2019-03-12
Company: Accounts Receivable Services
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX XXXX NOTICE FAULT FOR INFORMATION REQUEST XXXX, XXXX your on notice also failure to comply to request for verification documents XXXX, XXXX, XXXX, The CFPB is notified for this as witness to the facts that your refusal to produce the documentation I need, I do not want copies of documentation but actual documents NO HEARSAY, Also the HIPPA VIOLATION needs to be addressed in this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a bill from Kinum Inc., a collection agency for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  for my minor son XXXX XXXX. They sent me a bill for {$300.00}. Their itemization on the bill was a charge for {$29.00} and another charge for {$74.00}, for a total of {$100.00}. Not {$300.00}!! I wrote them a letter on XX/XX/2020 asking for an itemization of this bill to show where the {$300.00} came from. Also to clarify that this was not billed correctly by the original debtor and that I was disputing this bill. I'm a XXXX XXXX   XXXX XXXX  and am on XXXX. I do have XXXX as primary insurance though. Consequently, my son has XXXX as his primary and has XXXX as his secondary. XXXX ALWAYS picks up the remainder of the bill. This is not a valid bill. Kinum has continued to harass me and call me. Yesterday, XXXX, I got a call from Kinum at XXXX The gentleman I spoke with was not a gentleman at all. Very forceful and refused to listen to the fact I sent them a letter of dispute and asking for them to validate the debt asked for. This is all clear violations of the FDCPA, as I know because one of my jobs when I worked for the XXXXXXXX XXXX XXXX was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will not stand for these companies trying to bully people. I do have proof I sent them a letter with their billing statement on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Set up payment arrangements directly with Collection Agency and have been paying. Had contacted collection agency about identy theft of banking information. Have had bank cards and account replaced. Bank cards replaced about 7 times, bank account 2 times. Can provide banking claims to show proof of issues of stolen information. Made a XXXX payment on XX/XX/2019, received a credit alert that collection agency had put collections account on my credit which brought my score down and the company kept asking me to pay the debt completly off and this will be removed from my credit. But if I have been paying and due to banking info being stolen repeatedly making payments of more that my payment arrangement why was this put on my account now since I have paid almost all the debt off and payments are due at the end of the month. If this is not a attempt to harm my credit and being threating I dont know what is. I am paying and this is still harming my credit file. Paid and not even 2 days later this shows up on my credit file. My original debt was at over XXXX and I only owe XXXX some dollars. Paragon Revenue never called me due to them purposely calling an alternative number when they had my direct contact number.They have lied completly about there practices and I went to court for this and they lied and not honoring there spoken recorded words, and as well as the hospital representative that uses them and know how they practice. How is these legal if I am making payment arrangements and the debt is almost completly paid down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am applying for PSLF. I submitted my first employment certification form in mid 2018. loan count for PSLF was lower than expected. I spoke several time with an ombudsman to have my loans recounted. at least 4 additional payments were identified during our conversation alone. I recently recertified with my employer, and the updated loan count is still not correct. Also, several loans that I was previously told would qualify for PSLF did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an existing complaint with Seterus .Back in XX/XX/2020, I wrote them a grievance letter addressing concerns with the mortgage my father signed.I never received any response from them.I want them to response to the letter.This matter affected my family severely and it deserves a response.I have never been treated with any respect in fact i have been treated rudely and ignored.Just because i am not someone famous or important, this industry treats you like an insect that should be stomped.My familys home has been taken, I am suffering from severe XXXX .I want XXXX XXXX to answer my  questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was evicted from XXXX XXXX XXXX XXXX in XXXX. The Judgment was XXXX for for XXXX XXXX XXXX XXXX but on XXXX  XXXX  they added $XXXX to the judgment I tried to dispute this I tried to reason with the collection agency National Credit Systems that it was $XXXX over why is it that high the send me a breakdown oh why it's $XXXX  over the limit no respond so I can consult a lawyer XXXX XXXX I hired as my attorney . This account need to be investigated brought to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating

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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report

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 2020-12-02
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Collection agency reported several collections on my credit from one hospital visit. I had and still have medical coverage. I was never informed that Phoenix had this account nor that they were reporting anything on my credit. I sent a request for them to validate these accounts and they just ignored my requests, but they continue to report the erroneous accounts on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Portfolio Recovery continues to report an old collection account that has already been deleted from XXXX  and XXXX  years ago. I have been fighting with them for years to delete it from my XXXX  report and they keep sending letters stating that it has been verified. I have submitted proof from my XXXX and XXXX reports that I have no collection accounts. XXXX is only showing one which is from Portfolio Recovery. 
I truly believe either XXXX or Portfolio is not investigating the collection account when I dispute because I have disputed numorus times the past two years and it shows last updated in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

Barclays Bank XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.

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 2020-09-04
Company: CITIBANK, N.A.
State: FL
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:
XXXX and XX/XX/2020 The Hone Depot store and XXXX XXXX is reporting to my credit report and I called them explaining it wasn't me and why is it on my credit report

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