BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We signed with this company to refinance our VA Home Loan for a lower rate. They baited us with a {$100.00} Visa Gift Card in the beginning. The loan officer has been gracious, professional and efficient but the behind the scenes is another issue. The procrastination regarding closing this loan has been unbelievable!!! We should have closed by mid-XXXX. We have done all that we were requested to do including paying out of pocket for next years Homeowners Insurance policy because the XXXX XXXX, who has the original mortgage, did not pay the insurance policy by the due date and we believe it is because we were refinancing. 

To this date, no closing. Procrastination!!! Stalling!!! We have read that this company does not close deals in a timely manner unfortunately after we consented. 
Treating Veterans in this manner is unacceptable and this company should not be serving veterans if they can't deliver while advertising in a bait and switch manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a final balance of {$68.00} due to Conns in XX/XX/XXXX, unfortunately i was not able to make the final payment until XX/XX/XXXX. I logged into my account www.conns.com and clicked on " Pay your bill '' on XX/XX/XXXX and attempted to make a payment of {$68.00} plus the late payment bringing the final balance of {$72.00}. I got a message stating credit card payment declined. Do no honor. Please contact customer service to make a payment. 

I received two collection letters for XX/XX/XXXX and XX/XX/XXXX stating my balance is {$72.00} and that the benefits of paying conns is no more collections calls. The letter also stated I could make a payment at www.conns.com, the same website that will not honor my debit card. 

I am continually getting up to 20 calls a day on my phone to resolve this issue. I will not talk to any customer service and about my payment. I want to make my final payment of {$72.00} XXXX and not through customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You previously referred me to FHFA and apparently they have no specific department/section/division who is responsible to properly investigate my complaint. 

This is an update of our original request for assistance from your office. 

In a recent letter received from Ms. XXXX XXXX, representing Fifth-Third Bank in which she acknowledged receipt of our original home loan agreement. As she noted the language contained in the contract is void of any requirements for us to submit any type of contractor 's license, etc ... in addition to any receipts in reference to the repairs of our home. However, according to her, as the Service Provider for XXXX XXXX they are obligated to follow XXXX XXXX guidelines, regardless of what the terms and conditions contained in the above agreement. 

XXXX XXXX, has refused to acknowledge and/or provide any additional direction or instruction to Fifth-Third Bank to include requested written communication regarding same. 

It appears that XXXX XXXX is in cahoots with Fifth-Third Bank by unlawfully failing to abide by the terms and original agreement of our home loan. XXXX XXXX as also with malice has purposely refused to resolve this conflict and continues to point to their vendor as the agency responsible and Fifth-Bank points to XXXX XXXX as states they are only following XXXX XXXX guidelines. 

XXXX XXXX, as well as Fifth-Third Bank, is unlawfully withholding the insurance proceeds received in this matter and is, therefore, causing an undue burden on and preventing the commencement of the needed repairs to our home. 

Today I just received a phone call from a XXXX XXXX representative " XXXX '', who essentially advised that she had reviewed my complaint and concluded that she found nothing wrong with the way my claim was being processed. In fact she explained that everything was being conducted in accordance with their policy and service guidelines. When I asked her if she had reviewed the terms and condition of the original home loan, XXXX stated she had not and in fact admitted she did not have a copy of same. Apparently XXXX conclusions and opinions are solely based on presupposed assumptions, misinformation, a total lack of comprehension in contract law as well as what her vendor has communicated to her. 

In other words XXXX XXXX and/or their vendor have not done anything wrong and are not going to change their minds, even though the original terms and conditions of the home loan are being violated and not adhere to. 

When I requested that this complaint instead be referred to their legal department, she told me she would not do that because their legal department does not provide legal opinions to consumers! In fact, the request was not for me per se, but for them in that I was hoping that someone with some experience and knowledge of contract law could investigate this matter and could advise XXXX XXXX and/or Fifth-Third Bank accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2018-01-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$2000.00} was cashed as a check against my account XXXX XXXX. I bank with chase bank. I called them the same day my the amount showed in my account. I live in XXXX Georgia, and the check was cashed in New York. I informed the bank, and they told me they will credit my account in 3 business days while they investigate the issue. Usually, they are supposed to just call the money back. I showed them proof and i sent them a copy of the check in my account. I didnt issue it. 3 business days passed and i have called and they given me different deadlines. It has been a month now and i have not received my money. I called today XXXX XXXX and they told me i need to wait 30 to 90 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: SRA Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX/XXXX/2018 SRA Associates called my place of employment at XXXX. I work at a call center and not allowed to accept calls that are personal. They call and hang up. Need help in getting them to stop calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; 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 2019-04-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
RE : Late payment on XXXX 2016 Late Payment .... 

Dear Manager ; I am notifying you of issues with the information on my credit report. I am curious as to how you are allowed to report this information. With a little research, I found out that I have some rights in place. This letter will serve as a formal dispute under FACTA section 312. This law gives me the right to dispute my credit information directly with you instead of dealing with the run-around that happens when someone goes to the credit bureau. Please take note that I have already dealt with the so called investigation process that the bureaus claim to have completed. Nonetheless, I now wish to exercise my rights to dispute this account directly with you.

I would like to dispute the inaccurate reporting of the above account. Please verify the following : That all balances and amounts are reporting correctly.

That all dates are reporting correctly and that any prior pay history you are reporting is correct Please remove this account from my credit report immediately! It has caused quite bit of damage. I want to point out that you are legally liable for any erroneous information as decided in XXXX vs. XXXX XXXX. This case set a legal precedent that a consumer can sue you for reporting inaccurate information on their credit report. I demand that you remove this account immediately. Should this account not be taken care of, my next step will be to file complaints with the FTC, XXXX, State Attorney General, and any other place I can think to file a complaint. I trust this matter will be handled promptly. 

Thanks for your prompt attention to my concerns, Sincerely yours, 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 2022-01-12
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Ex girlfriend onle user of card and paid bill we broke up and she stopped paying. Did not have acces to account or way to pay ... Now in collections and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a Bank of America credit card on XX/XX/21. After a lengthy verification process, I was initially given a verbal approval of a {$3000.00} credit limit. That later changed on XX/XX/21 to a {$1500.00} credit limit. After receiving my card, I began using it but I was careful not to charge it to the limit so it wouldnt negatively impact my credit report. I also made every payment on time ( actually ahead of time ) each month. However, on XX/XX/21 Bank of America suddenly decreased my credit limit to {$1100.00} without warning. Their action negatively impacted my credit report because it raised my credit utilization especially since at that time my bill was a little over {$900.00}. When I called to see why I wasnt notified prior to this action being taken, the representative said they mailed me a letter on XX/XX/21 ( the day before XXXX XXXX ). However, they never waited for me to receive the letter because they took action 3 days later. They never provided a turn-around time, waiting period and/or due process before changing my credit limit. Additionally, I later discovered that Bank of America was secretively and aggressively checking my credit report every month since I received my credit card prior to decreasing my credit limit. This action seem very illegal especially since I had already went through a credit check, had been approved and had already been using my credit cards for months. I feel discriminated against. This seems like 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 2021-08-04
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I fell behind on my mortgage and racked up some debt due to several visits to the ER and absences from work. 

I reached out to my mortgage company, Freedom Mortgage and applied for loss mitigation. I submitted paper work on XX/XX/XXXX and after some back and forth dialog regarding one missing signature on a document, I submitted the final document on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX stating my application as of XX/XX/XXXX was " facially complete '', and that a final decision is expected to be communicated withing 30 days. 

Instead I received two letters after XX/XX/XXXX, dated XX/XX/XXXX, stating my request for assistance has been received, at this time you application is incomplete, requesting all the documents I had previously submitted. Essentially starting the process all over again and negatively impacting my time line to request assistance and receive the appropriate assistance. 

All the documents requested are documents that were already provided. I believe this is intentional, the customer support team apologized and said they do n't know why, but this happens ALL THE TIME. The words of several customer support representatives. 

This is wrong and negatively and unfairly impacts people looking for assistance during trying times. Again, the items that they are requesting are the same items they described as facially complete.

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 2021-04-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I noticed this collection on my credit report. I called the company that placed the collection. they contacted the the company that place the debt with them. They reported to them that the bill was paid and that I do not owe them any money. I called IC System that the collection is still showing on my credit reports. I received a letter dated XX/XX/XXXX from I C Systems that the debt was paid and that they will no longer pursue collections and the information they reported to the credit agencies ( XXXX, XXXX, XXXX ) will be deleted. I have a copy of the letter. This collection was not removed and I disputed this collection with the credit agency. The credit agency updated the information from IC Systems as accurate. I contacted IC Systems about the collections still showing and verified as accurate. They stated there is nothing they will do or can do to correct this. Please help me resolve this issue. 

Thank you,

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 2018-06-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I took leave and went back to XXXX after completing XXXX school. While I was out there, I was introduced to a man named XXXX XXXX by my cousin 's boyfriend at the time. XXXX told me he would be able to help me build credit and get my credit score over 700 within a years time. He told me to apply for a credit card and an auto loan with Navy Federal. 

I applied for both and in a couple weeks the credit card was mailed to my cousin 's address in XXXX XXXX. The vehicle loan had also been approved and was mailed to my cousins house. XXXX took the mail from their address, used the credit card to make various purchases in XXXX and XXXX and forged my signature on the check to from the vehicle loan to buy a used car for {$14000.00} which I later found out to be a XXXX XXXX XXXX. The last time I heard from XXXX was around XX/XX/XXXX when he told me to report the credit card as lost/stolen and make payments on the vehicle loan he had pulled out and claimed he would take care of it in a few months. I fully realized he was using me for his own personal benefit and would likely just disappear leaving me with the debt ( which he did ) So I filled out a report at XXXX XXXX and tried to clear the debt with the credit agencies. He also applied for a {$5000.00} personal loan from a company called XXXX XXXX which I later found out was done entirely online without any accounts linking the loan to him. 

Ive been dealing with this issue since XX/XX/XXXX with no avail. Navy Federal insists that I am responsible for the debt because I filled out the applications and was scammed by someone Ive met, even though my signature was forged. XXXX is holding me responsible for the debt because I made the mistake of saying I would make payments to get them to get off the phone initially the online application was filled out while I was still in California. There are also hard inquiries that was not authorized by myself that are still 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 2020-11-26
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Action Collection Agency tried to collect from us for a creditor we never hear of. Their number is XXXX. The person wouldnt give me their full name. Said we owed a XXXX XXXX XXXX XXXX XXXX Seems like a scam. The person on the phone was very sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Diversified Adjustment Service, 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I sent notice to XXXX XXXX, CEO & XXXX XXXX, SENIOR VICE PRESIDENT to cease and desist any action to defame my character ( attached ). This was sent certified mail and confirmed received on XX/XX/XXXX. No response was provided from this company. The company was notified that if they failed to respond within 21 days, they accepted the debt in question as their own. Today, XX/XX/XXXX I noticed that their company has officially defamed my character on my consumer reports without consent. Not only did I try to communicate with this company to amicably work to an appropriate solution, but I also gave them notice of what would happen should they harass me in the future. These are violate business practices. Their initial document had no date, it provided no proof of their allegations, they provided no tax documentation to support their claim, and their company is not a law firm. The company decided to harass me further by harming my credit report. This is pure harassment. There is plenty of precedent that has been set by multiple honorable courts that these actions are subject to remedy in the eyes of the law. Further, this is no excuse for this companies ignorance of the law as can be seen by over 200 years of precedent. All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. I am not sure why this company has chosen to harass me, but as mentioned in my letter sent certified mail, I informed the company of what would happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Customer service would not help take care of these inquiries reporting to my credit report. 
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 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 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 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