BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. 

Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on TrXXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES onXX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, disability etc. Which is actually inaccurate because for XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX, XXXX and experian keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is XXXX parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX 3. For ewuifax I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all XXXX reports.

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 2021-02-15
Company: Paypal Holdings, Inc
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My email with PayPal is XXXX PayPal has frozen my account with {$9500.00} on it and they assured me I will be able to withdraw my funds after 180 days. 

On XX/XX/2021 I got email from PayPal saying that my funds were eligible for withdrawal and that I can link my bank or card to withdraw my funds. 

My issue is that my bank and old cards previously linked to my PayPal account have all been closed. 

I have tried linking a new bank or card to withdraw my funds to but it keeps giving me bad signal that there is a problem with my account advising me to contact customer service, but when I do, I have not received a solution to my issue rather than copy and paste replies from One Lady called XXXX from executive office. 

I want PayPal to remove the restrictions of adding a card off my account so I can be able to link a card to my PayPal account without any problem and withdraw my funds. 

I will submit the screenshots of the error message that I want PayPal to take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For the last 3 years my debit check card informaiton has been stolen and used to purchase items. My account is through Chase bank. While Chase is aware of the issue, I do not feel that they are taking any steps at all to fix the fraud problem. Chase typically reissues the money from the fraudulent transactions within 7-10 business days, sometimes they will refund my account sooner and sometimes they refund little bits at a time. The card is alwasy in my possession and has never been lost or stolen.

I am reaching out to you today b/c for the 3rd time this year-I have had my card compromised. I went to activate my replacement card yesterday but the bank lady said it was already active and there were already charges using the new card. I had just taken it out of the sealed envelope. I believe that the fraud is coming from within the Chase organization and is much larger of an issue than what Chase is reporting ( if they are even reporting this fraud-I cant be the only one dealing with this ongoing headache and fraud ) I am paid one time a month and I believe that this is known by whoever is frauding my account. The fact that I had charges and an activated card before I even opened the envelope should tell Chase representatives that there is a large issue. I have to keep changing all of my autopayments. My husband was a vet and I believe that this benefit payment that I receive is known and this is why the fraud happens each time I get paid ( 1x a month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/XXXX I received a call from XXXX XXXX stating that I owed money on a debt. Client : XXXX XXXX, XXXX Your Account Number : XXXX Original Creditor : DISCOVER CARD Original Account Number : XXXX Amount Due : {$7900.00} 1.  They stated that in XX/XX/XXXXI was making payments, but that the law firm went out of business. Man on the phone stated he used to work for that law firm and because we had a " rapport '' he was trying to help me. He also stated that a statute of limitations doesn't exist for debt. After a back and forth I gave my email address only, and hung up on them, once they tried to pressure me into calling them back and set up payments. They also told me after 5 minutes of conversation, that this call was being recorded, something they are legally supposed to do at the beginning of the call. 

2. I actually settled this debt years ago with another collector as it was passed on to someone else. It was removed from my credit report, of which I am now in good credit health. 

3. Even if this debt wasn't updated in their systems, ( even though it was settled and they are now coming back at me after 8 years have passed ) they did not tell me that it is " time-barred '' and they couldn't pursue it legally. 

People on the email they sent to me : XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a bill for this medical debt 2 days after it was reported to the credit bureaus. I knew nothing about this I have insurance and was unaware of an outstanding balance. I cant pay a bill I dont know I have

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 2021-05-02
Company: CORELOGIC INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CREDO - Mortgage Reporters Inquiry Date XX/XX/2020 Hello, This company placed an credit inquiry on my account that I did not authorize and I do not recognize. I tried to contact them several time but this company has been completely non responsive, I reached out to them by mail phone and email but I have not received any response. They are not giving me any information about this inquiry and I need assistance to remove it

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 2019-11-08
Company: National Collection Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract.

2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that NATIONAL CREDIT MANAGEMENT has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency.

I hereby serve Notice that failure to provide Proof of Claim by NATIONAL CREDIT MANAGEMENT has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring NATIONAL CREDIT MANAGEMENT from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another.

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of NATIONAL CREDIT MANAGEMENT agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I currently have Unauthorized inquiries appearing on my credit report and XXXX Fraudulent 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 non-monetary relief
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX  XXXX 3 ) XXXX credit XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) 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 2023-05-21
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 my home in Arkansas had water damage from a burst pipe. The Insurance was contacted and the adjustors were out and made payment to the tune of {$150000.00}. 
As I had mortgage with US bank it was also listed as one of the payee.

I opened up an account with US bank loss claims department and they released some funds to me initially and were supposed to release the rest of the funds when their inspectors were done with the inspection of the house. When I tried to schedule the inspection of the house US bank kept of asking me for more and more paper work even though I had submitted all of it and they were asking me paper work from the XXXX XXXX  insurance company on which I had no control. I was exasperated and told them that if only I had the money I would pay off the loan and get them out of the picture, They at that point decided without my written or verbal permission to use the funds in my Escrow amount to pay off my Mortgage!!. These funds are supposed to paid to the contractors for the work they are doing. Now my mortgage is paid off without my permission using my insurance claim money which I am supposed to pay the contractors. I need to pay the contractors now {$38000.00} from my pocket which I do not have and US bank used this money given by XXXX XXXX to pay off my mortgage without my permission!

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 2023-02-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I needed to make a large purchase to pay an IRS tax bill that was unexpected. I signed up for a My Best Buy Visa Card which had a promotion that for 18 months there was 0 % interest. In order to pay for this charge I had that was substantial, I called their customer service. I was told on XX/XX/XXXX at XXXX XXXX  during a call to customer service ( call duration 15 mins 18 seconds ), that it would also qualify for 0 % interest. The only reason we made this purchase was because we were told that it would qualify. 

I also had to pay an additional 3 % in order to make this large purchase due to credit card fees from the IRS. We would never have done this if we weren't told by the representative that it would qualify for the 0 % interest promotion. 

I realized this happened on XX/XX/XXXX, XXXX XXXX, and spoke with their billing fee dispute department. They promised me that they would review the recorded call from that day. I was told the process to review recorded calls can take a significant amount of time, so I waited patiently. 

To avoid accruing further interest, we paid off the balance that was causing the interest charges, and only didn't pay the interest fees assessed to our account. 

Our final interaction was on XX/XX/XXXX when I had not been contacted by Citi or Best Buy. I called at XXXX XXXX  on XX/XX/XXXX and was told that they can not comment further but that they were not going to adjust or credit the account for any of these false charges. 

I paid the remaining balance accruing interest on XX/XX/XXXX. I truly hope that there is some sort of protection for people who are abused and lied to by credit card companies. What I was told and promised on the phone by a Citi representative was false, I had to pay these interest charges, and would like to be reimbursed for all fees/interest.

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 2019-03-12
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
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:
Happened on XX/XX/19 @ XXXX XXXX. Scammers posed as debt collectors attempting to extort money, did not answer. No information given out. Constant calls. Enrolled in do not call registry line.

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 2022-12-01
Company: EQUIFAX, INC.
State: TX
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 is reporting an account with account number XXXX on my consumer report with a balance of {$280.00} and the account does not belong to me. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an identity theft in approximately XXXX of 2022. Citi Bank has closed an account of mine and still has funds. They refuse to send me back my funds. I have been told for at least 6 months that once the account is closed they will send me my money. I have a statement showing the account is closed and there is {$770.00} in the account. When I call they give me no information and then they hang up on me.

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion removed this account off my report From XXXX XXXX XXXX XXXX And now it has been posted back on my credit report. Illegal action 'credit aging ' transunion need to remove this from my credit report and it needs to stay off my report. It has already been removed!

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 2020-07-18
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 fraud alerts or security freezes

Complaint:
I guess experian has frozen my credit. I only found out they froze my credit because they even prevented me from using the ssa online portal so that i can get a replacement card. So they have been preventing me from accruing credit amd using services entirled to me as an american citizen. I do not have a pin and i followed their extrenuous method for removing this freeze yet i have not recieved a word from them. I also canceled my subscription with them and still no freeze lifted. I did not evem know i had a subscriptuion with 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 2023-01-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
been paying rushmore lona management on time for 5 years the payment is automated in that rushmore pulls directly from my bank account suddenly they reported the account delinquent when it is not for XXXX. my bank account shows two payments taken out in XXXX. they blamed me and my bank for the mishap when it is them who have the automated set up. they tacked on several fees, late charges. then they pulled these fees from my bank as part of one of the XXXX payments. 

then they sold my mortgage to XXXX XXXX and passed on some erroneous fees to XXXX XXXX as well they then reported my loan delinquent to the bureaus i am XXXX XXXX paid in full up to date with XXXX XXXX. rushmore has no basis for such treatment. i am a XXXX XXXX customer with XXXX  of XXXX in summary, they said i was delinquent when i was not. my account clearly shows two payments removed. they removed fees and extra charges that they should not have added ( erorneous error on their end ). and then they reported my account as delinquent. this is the only blemish on my credit report

Company response to consumer: Closed with explanation