BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/XXXX XXXXDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/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 2020-01-20
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX sent my account of XXXX dollars to collections after my payment did not process correctly in their system. Called and got the payment to post to their system and was told they would not send it to collections. 30-45 days later I got a letter stating Central States recovery Phone # ( XXXX ) XXXX was now collecting on their behalf XX/XX/XXXX. Wasnt until this year I called central states recovery on XX/XX/XXXX to settle the original amount for XXXX dollars. No response so I called again XX/XX/XXXX and was told XXXX  XXXX XXXX was unresponsive in my attempt to settle the debt. Today as of XX/XX/XXXX I have not received any further communication. Over 30 days from when I attempted to settle the debt. If XXXX XXXX XXXX is unresponsive to my attempts to settle the debt the debt needs to be removed from my record. Was told I would be receiving a call in a couple days both times and have had no further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: RoundPoint Mortgage Servicing LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2018 I purchased a home in XXXX XXXX XXXX, Utah. Roundpoint bought my mortgage so I did not choose to do business with them. They have been difficult to deal with from start to finish. The most recent example when I tried to do a mortgage recast. I made the application following their procedure to the letter. I offered a very substantial bulk payment towards principal reduction - {$360000.00}. After going through their " rigorous calculation process '' ( their words ) they FedExed me legal documents to sign stating that they would give me a {$0.00} reduction in mortgage payments in exchange for a several hundred thousand dollar principal reduction payment. And for this " rigorous calculation '' they charged me {$300.00}. I should also note that they tried to get me to make the premium reduction payment BEFORE they made a decision about my recast. They say it was a mistake - but their " mistakes '' happen on a regular basis and always in their favor. 

I also would like to note their bullying tactics to try to get you to purchase their services. I received a very accusatory call asking me why I had not yet made my monthly payment. It was completely absurd as I was WELL within the timeframe I had to make a payment and my check had already been sent. The person on the phone then went on to imply that I seemed like I might have trouble making payments and that I had better purchase the service or risk adverse consequences to my credit rating. It should be noted that in 24 years of home ownership, I have never missed a mortgage payment once. 

In the best light, this is a horrifically sloppy way to handle financial services. However, I feel there is a pattern here that needs to be addressed. Read the XXXX reviews and look at the recently settled class action suit against them in you will see that I am far from the only person who has experienced these types of issues. 

XXXX XXXX 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 2018-06-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed owing the debt to all credit reporting agencies and despite bank statements, it remains on my credit and causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: NJ
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:
on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit

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 2021-08-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
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 have attempted several times to have ARS ACCOUNT RESOLUTI to verify the debt that has been reported on my consumer report and I have not heard anything in reference to this 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 2019-10-22
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received notices from Credit Management LP of an amount owed to XXXX XXXX of {$610.00}. I do not owe this amount or any money to XXXX. I contacted XXXX and they have no knowledge of this debt or amount. I contacted credit management LP to have them cancel this amount but instead they appear to have reported it to the credit agencies and it has reduced my credit rating. I believe this is a scam and complete fraud. Again, I do not owe XXXX cable anything and Im current on all my accounts. CreditManagement LP of Plano Texas appears to be representing XXXX in this debt collection matter the XXXX has no knowledge of it and I do not owe any money to XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Island Finance Puerto Rico
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I call to Island Finance/XXXX XXXX  in PR. They denied my pay off balance by phone, online, email or regular mail. 

They obligate go to the branch to get the pay off balance. Its not fair.

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 2021-03-19
Company: ENOVA INTERNATIONAL, 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: Information belongs to someone else

Complaint:
I called the company talked to them so they were the fraud department was going to contact me still have not contact me it is not my account I did not open that account and I would like it to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I started an account with a company called XXXX XXXX  on XX/XX/XXXX. The plan was to invest {$5.00} a day and more as I saw fit and cash out in 24 months. Their website states you can cash out sooner without penalties. I requested to cash out on XX/XX/XXXX and I received over 30 emails stating that I would be cashed out soon. The website states within 21 days. It is now 9 months later and nothing. I filed a claim with my Chase, claim number XXXX and they stated that because I approved the automatic withdrawals, they didn't consider it fraud and stated I waited too long. Even though I didn't realize it was a scam because I thought I was investing. So when I realized it was a scam I tried to get my money back by contacting my bank. I filed a claim with SEC # XXXX. I just filed a report with FTC Report Number XXXX. I also reached out to a lawyer and they stated because it wasn't over {$5000.00} it was nothing they could do for me. I work hard for my money and I for sure do not have {$3500.00} to give away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal abuses its power and put hold on my funds without any reasonable reason. I have been with Paypal since XX/XX/XXXX ; I have a perfect record without even a single dispute or declined transaction. In XX/XX/XXXX, I started selling my business equipment on XXXX, I just bought these equipment in XX/XX/XXXX and XX/XX/XXXX, but I sold them on XXXX with about {$40000.00} loss of the price I paid for them just two months ago. These equipment were a source of income for me and I sold them with a huge loss for only one reason, to save the life of my 3 years old niece who needs a XXXX and XXXX XXXX  and living now on a XXXX XXXX. My niece is not a US citizen and not eligible for medical insurance or public assistance, so all her medical expenses are out of pocket and through fund raisings. I sold them with a huge loss because I wanted to sell them fast so I can help my niece get the needed XXXX. After I finished selling all my stuff on XXXX, I withdraw half of the money from Paypal and then I got an email from Paypal stating that my account got restricted and I need to provide proof of identity, bank statement, and invoices or receipts to proof the ownership of these equipment. I provided all documents they needed and after 24 hours they remove the restriction but they said they will hold all my money {$10000.00} for 90 days and they put 20 % rolling reserve on my account. I didn't sell my equipment with more than {$40000.00} loss to give the money for Paypal to hold it for 90 days ; I sold them to help my brother and his daughter. My niece is in a critical condition and we are short of money trying in all possible ways to collect the cost required for her XXXX. I tried in all possible ways to get them to release my money, I even emailed them hospital documents of my niece condition, hospital phone number and my niece name to call and verify, but unfortunately, I found out I were dealing with monsters who don't have any human values or mercy, they don't care about you no matter what you have or what you say. I have a % 100 positive  feedback on XXXX, not even a single return, not a single complaint, nor a single chargeback. Therefore, I am respectfully requesting that the hold on my funds be lifted due to the urgent circumstances I mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and Caliber homes loans were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: CITIBANK, N.A.
State: NY
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:
I recently noticed on my credit report that my best buy account is reporting late payments for over a year and that the account is now closed and negatively effecting my credit. I tried contacting best buy and they were of little help stating that only the minimum was sent, but even if the minimum was sent i shouldn't have all of these late payments on my credit report. I am attaching to this complaint the proof of payments that I made to best buy from my XXXX XXXX  savings account. I tried disputing this information with the credit bureau and they continued reporting the debt. Best buy has been difficult to work with. I have proof of making all of the payments that they are recording as a late or missed payment on my 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 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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/2020 I paid {$140.00} to have my watch repaired. The repair did not work, after dealing with the merchant who refused to honor their guarantee I filed a dispute with my credit card company on or about XX/XX/XXXX. On XX/XX/XXXX I was given a credit from Capital One. I have heard nothing from Capital One until XX/XX/XXXX when reviewing my account I saw that Capital One had rebilled my account for the {$140.00}. After calling Capital One I was put on hold to speak with a supervisor who, after waiting 15 mins. on hold, never picked up the call. Capital One, pursuant to Federal Law, has 90 days to resolve my dispute from the date of my dispute, ( XX/XX/XXXX ). XX/XX/XXXX to XX/XX/XXXX is 148 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's the three of them. XXXX XXXX eliminated one of three negative remarks, they refuse to drop that dept that i don't owe, they even still tried to add it but i told them their not owed a dime. 
The other two negative rematleks are for a total of XXXX dollar 's, the two copays i could not afford. At the hospital and they knew i could not even afford medication. I have proof i should not have to pay anything. But collections want XXXX  of dollar 's that i will fight to my last breath.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This a XXXX XXXX loan for my daughter. She graduated in XX/XX/XXXX. Our loan is through Navient, The next payment is due on XX/XX/XXXX for {$800.00}. Navient tells me they can not lower my payment. I am trying to figure a way to make the payment more manageable. Do you have any ideas. 

XXXX XXXX Balance {$100000.00} XXXX XXXX  XXXX XXXX. 
XXXX, Pa XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have attempted to resolve the matter since late XXXX early XXXX of 2021. I have received multiple threatening letters to take action including repossession and later told that I could disregard the letters. I have attempted to settle the matter by sending a letter with a check stating it would be for full satisfaction of the amount in late XXXX and it was accepted and cashed but still not settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: IN
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 received a copy of my Equifax credit report and noticed that I have these inquiries. I have previously asked/disputed ( 2 ) times for these hard inquiries to be removed. I have not received any documentation providing any information regarding these inquiries and since this is this the case, I hereby request you method of verification for these inquires on my credit report ( both hard & soft inquiries ). You are required to have documentation providing my consent and permissible purpose. If you lack these documents, I ask you to delete these immediately. This is not a dispute ; this is a request for your method of verification.

- Must I remind you that : According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

Incorrect Personal Information Previously disputed. 
- I am requesting that you delete these inaccurate inquiries from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I now ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Former Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 : XXXX XXXX XXXX XXXX XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX This letter was sent Certified mail / Return receipt requested & Notarized. Litigation will be pending based on your actions per this letter. 
Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are 4 accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - 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 2021-08-19
Company: Receivable Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation