BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt, and I have not received a letter from this company verifying the information below. Please upload evidence of receipt, or resend via mail or email the requested information below. I will advise that if this isn't removed from XXXX and XXXX  before XXXX XXXX, I will be forced to file suit. Shall you not remove this erroneous item not verified per the FDCPA, I will be forced to seek damages of {$1000.00} per FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and any additional damages for any violations I find, as well as attorneys fees and court costs. 

This complaint is being sent to you in response to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with your license numbers and Registered Agent or Agent of Service : Provide proof that you are licensed to collect in my state Thank you, I appreciate your assistance as I verify and validate this medical debt that isn't mine.

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 2018-02-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So, this guys ( Below ) have falsely put a collection on my credit report. 
after several times letting them know that they owe me money. 
this am assuming that this guy is from XXXX XXXX people, That very bad company that is now XXXX XXXX XXXX is trying to collect instead i told them that they owe me an over charge of XXXX and they are not paying and now they have the audacity to try to collect. I demand the return of XXXX to me and immediate removal from my credit account. 



Payment Status : I C SYSTEM XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX XX/XX/2018 Collections

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 2018-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of a job employment scam in which the perpetrator used false identities and 2 stolen bank accounts from XXXX XXXX in order to overcharge my credit cards for merchandise. 

I have provided police reports, IC3 reports, I have provided statements to the FBI as well as the Secret Service in cooperation to resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was approved for a Covid deferment XX/XX/2020 that defered my payments until XX/XX/2020. Lexus Financial made an error and reported the account late for two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid {$500.00} to Amerisave on XX/XX/XX/XX/XXXXtowards an application to refinance my mortgage. 4 months later I have no idea when I might close with them. They didn't realize that I wanted to subordinate a HELOC, even though on numerous occasions I pointed out that the disclosure forms included closing costs of over 30,000 which didn't make sense, especially since I had just opened the HELOC and didn't want to close it. I have requested documents from Amerisave on XX/XX/XXXX so that the HELOC will be subordinated and my requests have been ignored. I then contacted my loan processor ( who has been responsive to my emails ) and customer service requesting a refund of the {$500.00} since they had not otherwise replied to me, and I have not received a response from customer service. I email customer service and the loan processor on XXXX, and again on XXXX but no response. The email on XXXX informed the loan processor and customer service that I intended to make a complaint to the CFPB. I waited 2 days before filing this complaint but have not heard from Amerisave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2018-07-13
Company: Northeast Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A person by the name of XXXX XXXX from a company called XXXX has called my children personal cell phone ( do not know how she received that info ) and scaring them stating that your mother has been turned in to XXXX County and a warrant for her arrest. I then received a note from a Neice in a whole other state stating this same company and stated named person above called her about a complaint against me. My sisters and husband and myself have received this call. We asked for documentation and she lies and said I have been sent documentation, this is a lie I do not know her and not een sure of the debt she is speaking of. the only debt issue I have that is not in my current Credit Counseling file is one with a place called XXXX XXXX XXXX I am assuming this is a bad debt XXXX must have purchased and now harrassing my family and me. I have a file history for the XXXX XXXX and a XXXX  complaint I filed against them for how they tried to handle the issue with me which I thought was unfair. I am I guilt for getting the loan yes ... However, this does not give anyone a right to intentionally practice these unfair negotations. I have attached file from niece and number from daugther that was spoken to each of them. 

Note from Daugther : Hey mom there is a complaint pending against you in XXXX county ... here is the number to call XXXX XXXX Then in the attachment below her name was given to my Neice and My husband. 

I have also attached the original XXXX complaint I filed against the clients she claim she is representing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is illegally calling me and sending me fraudulent paperwork regarding an invaliddebt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is Capital One and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt.
They are also breaking laws and calling and harassing me several times a week even though I clearly
told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing emotional duress and I suffer from XX/XX/XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX XXXX XXXX XXXX . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , TX XXXX/XXXX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , IL XX/XX/XXXX ( Thursday ) XXXX using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX XXXX using man 's number ( XXXX ) XXXX XXXX/XXXX/XXXX ( Friday ) XXXX ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by XXXX XXXX XXXX, XXXX regarding this invalid debt via phone or mail. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: WI
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:
XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Someone fraudulently applied for unemployment benefits in my name and now I have received a pin number and debit card from US Bank. I Have tried to notify Unemployment by phone, email, chat and mail. On line the first appointment is XX/XX/2020 which is 19 days away and that is only to chat on line. I am filling out forms for UE Fraud with XXXX XXXX XXXX and through my employer. I have never filed for UE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
1 ) Capital One charged me a {$15.00} late fee on XX/XX/XXXX and a {$15.00} late fee on XX/XX/XXXX. Capital One failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees.

Please note, I did not sign up for paperless statements for those  billing periods. On XX/XX/XXXX I mailed a letter to Capital One formally requesting that they stop paperless billing and that they mail me my billing statements. I am attaching this letter to the complaint. If Capital One disagrees with my complaint, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with
USPS, XXXX, XXXX, or a certified mail receipt. 2 ) In addition to this, I obtained refunds from several
companies for returning merchandise. {$29.00} refund on XX/XX/XXXX, {$380.00} refund on XX/XX/XXXX, {$29.00} refund on XX/XX/XXXX, {$480.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$270.00} refund on XX/XX/XXXX, and a {$180.00} refund on XX/XX/XXXX. Normally if I were to dispute the charges and the merchant refunds the transactions, XXXX XXXX would remove the interest charges associated with those transactions. Because I was working with the merchants to resolve my issues, XXXX XXXX would not accept a dispute as they request that the credit card holder attempt to work the issue out with the merchant before disputing the transaction.

Please provide a credit for the interest charges associated with these charges that were refunded.

Please note, I am requesting a refund for the late fees, interest charges associated with those late fees, and interest charges associated with the charges/transactions that were refunded by the merchants. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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:
Hi, I sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

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 2018-12-04
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech claims the last payment we sent was on XX/XX/2018. Because of this, they are defaulting the loan, and trying to foreclose on the home. 
We pay using our bank 's billpay service. According to my bank records, we have sent in three payments since then. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ditech is not attempting to process or cash these payments sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, I applied for loan modification with DiTech I supplied all documents and had that confirmed by 2 Dutech employees on XX/XX/XXXX and on XX/XX/XXXX.

XX/XX/XXXX. I received a letter from DiTech stating that my modification had been canceled due to an incomplete application.

This is the third time that this is happening.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
since my son started the XXXX XXXX XXXX, we been paying private loans for him, we still are paying and they are current thru XXXX. We also had loans thru Sallie MAe, this loans were been paid automatically, apparently Sallie mae and XXXX were no longer together ot they merge together and they stop taking the auto payments for Sallie MAe. 
Only XXXX is been paid, we never got a letter/statement and the reason we didn't notice they stop taking the money is because the payments for XXXX  went up. Now we come to find out since 2016 that we are in a collection agency and that agency is not willing to let us make payments, they want the full amount which we don't have. we have always paid his loans on time. please help! sallie mae is the worst company to deal with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: NY
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 am in the up most saddest state Ive been in a while. My account had been rigged due to a scam with XXXX. In this situation my debit was withdrawn from me & also my phone which does in-fact have my 4 digit pin. Varies transactions were made in my Checkings & Savings account early XX/XX/XXXX - XX/XX/XXXX I previously called over the funds for the first debit fraud in which I was reimburse the money. I was able to make 4 claims discussing my shortages & damages to my Chase bank account. Never in my life have O experience such trauma like this before. Shortly, after I had with held of my new debit card in where I was then manipulated out of my funds & personal information again I was charged for varies activities, that to my prior did not did not actually make. I have no prior business with XXXX  so therefore do not understand why there is multiple bank transactions with them. I do not know what the whole hassle with the atm fees are about since XX/XX/XXXX I called my bank & was issued temporary credit. But I am here today writing this statement to make sure I am able to fulfill in my actual funds of XXXX. Thank you

Company response to consumer: Closed with explanation