BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: EQUIFAX, 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:
Equifax mortgage services XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: ProCollect, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is the most insensitive, aggressive, and rigid collections company I have ever dealt with. To start, I NEVER got any written notification of this debt. A lady called me in XX/XX/2018 while I was in XXXX - in the hospital - and I told her I could not deal with the collection at the moment due to being in XXXX but I would call back later that day or the following day to pay as I didn't have my wallet. She said that wasn't her concern, if I didn't settle the debt right that second she would report it to the credit agencies and note refusal to pay on my account. Her language was unacceptable during this call, she was loud, aggressive, threatening, and unwilling to work with me even as I said I would pay it within 24 hour period. I was in XXXX XXXX   and thankfully it stopped and I was discharged so I called back to arrange payment that following day. Again, she was beyond rude and I requested that it not be reported to the credit agencies since I was paying it as soon as it came to my attention, she agreed but it came up on my report a few weeks later. I have since disputed this several times with Procollect refusing to take down the report. When calling them, they refuse to allow you to speak to a supervisor and frequently hang up on you. They are always aggressive and yelling - absolutely no way to treat someone who is willing and trying to settle a debt. It is impossible to know who is really in charge but every single person is insensitive to my MEDICAL situation or the fact that they are on record stating it would not go to collections. They are threatening and dishonest and overall extremely rude to their customers. My account total was under {$350.00} and I shouldn't be treated this way for doing the right thing and paying off a debt that I wasn't made aware of until it was in the hands of these bullies.

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 2019-09-03
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
my original home equity line of credit was owned by XXXX  XXXX  XXXX who then sold it to specialized loan servicing all payments after XX/XX/XXXX were to go to sls on XX/XX/XXXX i made my payment to XXXX  XXXX XXXX, sls is saying it was never received however i have all my confirmation numbers and dates of payments, since then i have made 2 payments to sls and they said that it covers XXXX which was already paid and XXXX, the payments made where for XXXX and XXXX i have tried to have this corrected numerous time through sls to no avail.

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 2020-07-03
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Avante XXXX showed up on my credit report today. I called and the said it was for a medical debt in Kansas. At the time this debt was owed, I was not living in Kansas, so there is no way that the debt is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
More than 10 years ago I was a co-signer on a student loan for an ex spouse. In the last two weeks, I have received daily phone calls demanding payment. I have no connection with the borrower and was offered no options for resolution. I was threatened with negative action against my credit if I did not make a payment. I had no information regarding the loan and was offered no verification on loan amount, past due amount, or even account numbers. I asked to no longer receive phone calls regarding the matter, and was told the " calls will continue until you pay. '' This is harassment and a violation of the law regarding debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information 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: Problem with personal statement of dispute

Complaint:
This account with XXXX XXXX XXXX  for my mortgage was supposed to be fixed. Upon disputing with Experian XXXX and XXXX, experian now shows dispute closed but late for XXXX which is WRONG. 
I HAVE never been late on this loan. XXXX already responded to CFPB acknowledging their error. They have not fixed this and are and are answering disputes reporting me late for XX/XX/2019.

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 non-monetary relief
Consumer complaint received 2018-08-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account so I could receive my social security by direct deposit, and also collect rent from some of my leasers. I opened the account and deposited an initial {$25.00}, as well as collected rent of {$500.00}. 

Chase decided to close my account and now I'm out {$550.00}. They need to send me my money to the bank account with a rational banking institution and not what ever Chase thinks is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of a alleged debt from Optimum Outcomes ... ... they sent me a letter with no date on to claim that that is their proof of validation, Yet OOI failed to include answer to the questions in my request for validation Pursuant to the Fair Debt Collections Practices Act and the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: CA
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:
Please help me get rid of the errors in my credit report. I have been trying for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a kitchen fire in early XX/XX/XXXX. I contacted XXXX XXXX and Roundpoint Mortage the next day. XXXX was fantastic theysent an adjuster right out and had acheck with in a week, made out to me and Roundpoint Mortage. I have filled out all of their forms and supplied them with tons of extra paper work. They claim they will send out a check with in 7 days. Its been 5 months the first contractor I hired was an out right theif he was terminated in XX/XX/XXXX he was paid {$1700.00} out of the first and only check received from Roundpoint I also purchased a stove and microwave which were distroyed d in the fire. After contractor was fired my Freind and I removed all insulation and replaced with new cut out burnt sheet rock replaced taped and mudded the whole ceiling and painted the whole upstairs at this point Roundpoint sent an inspector to see the progress she judged it 98 % complete Roundpoint sent acheck made out to me and the terminated contracter I tried to get old contractor to sign the check he refused I informed Roundpoint at this time XX/XX/XXXX since that time they have demanded reams of paper work which has been supplied and they claim they never received it. Their inspector inspected the work judged it 98 % complete I have paid for repairs and XXXX wages out of pocket. They found it good enough to send the check once the work has been done the quality way above what a hired contractor would do. Im the one that has been living in half a house my plants are dying havent been able to cook or have any type of normal life because Roundpoint will not send the money to pay for what has been done and also complete the job. I have pictures before and after. They claim in their paper work that if your Mortage is current you will have your check with in 7 days its been 5 months I want my house back 100 %, Roundpoint should not be able to profit from a fire that distroyed my house They have the Insurance money and Ive fixed the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND THEY WERE INACCURATELY PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I DID NOT SIGN ANY CONTRACT TO CONNECT ME TO THOSE ACCOUNTS, I AM REQUESTING THAT YOU PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS AND IMMEDIATELY REMOVE THESE ACCOUNT OFF MY CREDIT FILE.

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 2020-05-11
Company: EQUIFAX, INC.
State: GA
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:
On my student loans the payments were automatically deferred due to COVID19. I did not opt in to deferring the payments as I am able to pay my payments through these times. 

My credit score has decreased as a result of the automatic deferment. A remark was made to that account. 

" Between XX/XX/2020 and XX/XX/2020 the following remark was added to this account : Student loan - payment deferred ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, 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 have placed a dispute with each of the major credit reporting agencies over 2 months ago without any resolution or response from any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
OVER THE PAST YEAR AND A HALF I HAVE CANCELLED MY EXPERIAN ACCOUNT 4 TIMES. THEY HAVE CONTINUED DEBITING MY CHECKING ACCOUNT EVERY MONTH. I SPENT 3 HOURS ON THE PHONE 3 WEEKS AGO BEFORE TALKING TO AN ACTUAL PERSON, AND WAS TRANSFERRED 4 TIMES. I ENDED UP WITH XXXX THAT GAVE ME A DIRECT CALL BACK NUMBER XXXX AND A CALL REFERENCE NUMBER XXXX. SHE TOTALED 8 CHARGES TO BE REFUNDED TO ME IN 3 TO 5 BUSINESS DAYS TOTALING {$230.00}. AS OF TODAY, XX/XX/2019 THIS REFUND IS STILL NOT IN MY ACCOUNT. EXPERIAN IS GUILTY OF THE CRIMINAL OFFENSE OF CREDIT CARD FRAUD AND ALSO ARE IN VIOLATION OF MY CONSUMER RIGHTS. WHEN I CALLED TODAY, I DEMANDED TO SPEAK TO A PERSON THAT DIRECTLY HANDLES REFUNDS AND THEY INFORMED ME THAT THEY DIDNT KNOW WHAT DEPARTMENT THAT WAS. I HAVE BEEN GETTING A RUNAROUND FOR A YEAR AND A HALF NOW AND WHAT THEY ARE DOING IS ILLEGAL. ALSO, THE CHARGES ARE XXXX MONTHLY AND SHOULD REFLECT AN AMOUNT ALMOST TRIPLE OF {$230.00}

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 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I did a wire transfer 6 weeks ago inside the Bank of America XXXX XXXX bank. The guy who I gave the information to transcribed two numbers incorrectly and didn't notice til I came back a week later asking why my wire transfer had not gone through. So it seems they dropped it in someone else 's account is what they say and they can't get it out. It's been 6 weeks, its not been fixed and they have NOT reimbursed my money to me. They don't return calls and I've spoken to the branch manager, her boss and Bank of America corporate department with NO help whatsoever. Also- I've been a client for 22 years, have bought houses, cars, etc there and this is how they treat you when THEY make a mistake. They are completely incompetent.

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 2019-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX i made a final payment of {$24.00} On XX/XX/XXXX i was assessed a {$1.00} interest. 
My statement reflects a {$1.00} balance. 
On XX/XX/XXXX I called BOA, waited on hold for 40 minutes. The agent asked if I wanted to get notifications on my cell. i said no. They can call me of something is wrong she then said she could not get into my account as I failed to identify properly and refused to get texted a code. I said i had no idea that she wanted to send me a code to verify my identity. I said, i have my cell, go ahead, send the code. Too late, she said. 
Asked for supervisor -XXXX in the XXXX call center- shes said she could not help me. I said I want a credit for the interest charge that should not have been applied since balance was paid in full. And i want my account closed. She said the only way I could get that done was to contact them through a mobile app!!!

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 monetary relief
Consumer complaint received 2019-09-03
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, a fraudulent charge was made on my Chase Visa credit card in the amount of {$6100.00} by a vendor identified as PP*samdesigner, while I was in XXXX on vacation. Visa did not contact me when this charge took place and just let it through. Upon my return to the US, I signed an affidavit to Chase informing them that this charge was fraudulent and was not made by my husband, who is joint on my account. Since that time, I have been on numerous phone calls with them informing them that this was a fraudulent charge and that we did not make it. On XX/XX/2019, I received a letter from Chase Fraud Services ( attached ), informing me that I am being made responsible for this charge. I received 2 additional letters from them dated XX/XX/XXXX and XX/XX/2019 confirming that they are making me responsible. I was then told that I must appeal to the Chase Executive Office. Since that time, I have written to them 3 times. I have attached the final letter which summarizes my proof that we did not make this charge and that this card number was hacked while we were in XXXX, as we received similar charges from 2 other bank cards. Both the other banks have dismissed the charges. I have received 2 phone calls from the Executive Office, both claiming that we are responsible for the charge. They do not address any of my documentation proving that we did not make the charge and do not provide any proof that the charge was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
" XXXX XXXX '' Date Opened : XX/XX/XXXX.Original Creditor : " XXXX ''. And " Merchants Adjustment Service '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Merchants Adjustment Service Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( TransUnion, XXXX, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've  contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, 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 2019-05-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX walmart synchrony bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Walmart Mastercard/Synchrony bank sold account to XXXX XXXX, XXXX XXXX XXXX. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no XXXX XXXX XXXX the situation on three separate correspondences. 

I am collection proof. I am XXXX. My husband passed away in XX/XX/XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.

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 2020-08-22
Company: Experian Information Solutions Inc.
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-23
Company: Experian Information Solutions Inc.
State: TX
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 contact XXXX customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  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 2018-08-23
Company: EQUIFAX, INC.
State: TX
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 contact XXXX customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: GREAT LAKES
State: ME
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:
I have made contact with Great lakes in regards to my account status being " closed '' " paid in full '' " balance XXXX '' and showing an age of 7 years and 2 months still remaining on my credit report and showing a negative status. i have successfully rehabilitated this loan and have opened the account in positive standing with a new loan through Great Lakes, when contacting the company i was told there is no way to remove it. the acocunt was closed in XX/XX/2015

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