BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being harassed by now a third debt collection agency attempting to collect an invalid debt which the original invoicing company, XXXX XXXX XXXX, has already agreed I do not owe. 

I first received a letter dated XX/XX/XXXX from XXXX XXXX XXXX of XXXX, XXXX indicating I owed {$220.00} to XXXX ( formerly XXXX XXXX XXXX ). I notified this company by phone that I had resolved this issue directly with XXXX and that their active invoices indicate I am completely current with all invoices. I asked that they no longer contact me about this invalid debt. 

I then received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX of XXXX, XXXX indicating that I owe this same amount to XXXX XXXX XXXX. First by phone on XX/XX/XXXX and then online, I requested this company to stop contacting me about this invalid debt and suggested that they talk with their XXXX XXXX contacts. 

I just received a letter dated XX/XX/XXXX from Southwest Credit of XXXX, XXXX asking me to pay the same {$220.00} they say I owe to XXXX XXXX XXXX, indicating that if I do not dispute this debt in writing within 30 days, it will be assumed to be valid. This letter references a Southwest Reference number XXXX. This letter also referenced North Carolina Department of Insurance Permit # XXXX. 

I am asking the assistance of the Federal Trade Commission to put a stop to these debt collection agencies selling this account of invalid debt to other collection agencies and then harassing me about a matter settled in XX/XX/XXXX. 

If appropriate, please include the XXXX Dept of Insurance in your inquiry as I view the behavior of these agencies as unscrupulous and worthy of investigation by state regulators as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )

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 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible XXXX XXXX {$570.00}

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 2018-06-29
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good Morning, I am having an issue with my flood insurance which is being required by SunTrust Mortgage. I obtained a flood policy from the XXXX for the dates of XX/XX/XXXX-XX/XX/XXXXfor {$720.00}. Suntrust paid this policy to XXXX from my escrow on XX/XX/XXXX. I then had another year of flood policy from XX/XX/XXXX-XX/XX/XXXXwhich Suntrust paid to XXXX for {$720.00} from my escrow account on XX/XX/XXXX. On 6/14/18, nearly two years after the first flood policy Suntrust stated that the zone on the policies was incorrect. They charged my escrow account for a lender placed policy with a charge of {$2200.00}. Because this is 20 months after the policy I can no longer get XXXX to change the zone ( not to mention XXXX has sent several FEMA issued documents stating that we are in zone X which I have shared with Suntrust but they will not acknowledge them ) and I am now stuck paying both the {$720.00} original charge and the {$2200.00} charge for the same flood coverage period. Suntrust is also about to charge me another {$2200.00} for the second policy period. I asked if I could get a refund from XXXX for the {$720.00} since Suntrust will not recognize that policy and they can not since it was already paid. I'm not sure why Suntrust is paying these policies and then coming back years later and saying they are invalid and charging me three times as much for lender placed insurance ( 4 times as much considering I can not get back my payment to the XXXX back ). My escrow account is being severely overcharged causing my monthly payments to increase by a large amount.

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 2021-04-08
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
3 weeks now to get binance.us customer support to look at my ticket # XXXX went ignored. no response whatsoever. I have {$7500.00} that is being held hostage from this co. I already filed complaints with the XXXX, attorney General, and now, consumer finance. I might have to lawyer real soon if nothing happens. I have never in my life had to wait this long for customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am unable to timely withdraw my Bitcoins before XX/XX/XXXX ; I will now miss the fork date. Coinbase never even informed me of their decision not to acknowledge the new version of Bitcoin, so I was not able to withdraw my Bitcoin in time. Now that I have initiated the withdrawal, there are delays in the process. These folks seem shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm writing to you according to my Discover bank card that was opened on XXXX XXXX, 2020. I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XX/XX/2020.I could not contact cfpb because I did not know about its existence and that they can help me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' I have disputed this account with them several times and they have failed to provide me with the documents used to verify this account that does not belong to me. Please assist in resolving this matter. 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 2018-10-14
Company: COMMERCE BANK
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a credit card with Commerce Bank. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. Commerce Bank was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But Commerce Bank stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: UT
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 - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.

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 2020-10-15
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC gave false information and stated that a loan modification was granted via phone, a letter was recieved stating that no modification was granted. XXXX? 

Loancare LLC knowingly claimed that my primary residence is NOT my primary residence, as paperwork was supplied as requested by Loancare verifying home occupation.

Loancare LLC willingly engaged in dual tracking in violation of federal law.

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 2018-06-29
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I called Security Credit Systems of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX. XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX. XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX. XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to Security Credit Systems after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. Security Credit Systems has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX. XXXX. 

XXXX. XXXX then vacillated between claims that these interest charges were imposed by Security Credit Systems and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX. XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time Security Credit Systems has serviced this debt and the significant discrepancy between XXXX . XX/XX/XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

Security Credit Systems is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Each month my payments are being held for extended periods of time. I have made consistent paid in full payments throughout the time I've had the card. The issuer continues to hold the funds long past the time the funds are collected from my bank account. The most recent event is as follows : - XX/XX/2021 : Made payment for {$1800.00} - XX/XX/2021 : Funds are withdrawn from my checking account - XX/XX/2021 : Called customer service to discuss the issue ... nothing was done - XX/XX/2021 : Funds are still not available for use This is a consistent pattern with the card issuer and I would like for it to be resolved. When the funds are collected, the funds should be made available.

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 2018-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
After my complaint to CFPB regarding the broken laws from XXXX XXXX XXXX. They sent this letter. This is a letter of proof from XXXX XXXX XXXX that they have CEASED all collections at this time.

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 2018-07-02
Company: Ability Recovery Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX my husband and I were stationed in California which I attended XXXX XXXX I started my classes then switched majors and they stated my online courses would change at the end of the week but instead they never changed my courses and Everytime I called they told me to wait. In XX/XX/XXXX they appeared on my credit report but never once contacted me and I have noticed that every so often it's being renewed.

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 2021-10-31
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, NCB Management Service, started reporting a collection account to my credit on XX/XX/XXXX in the amount of {$4700.00}. This is reported to XXXX and XXXX. I have sent countless letters to the collector stating that this debt does not belong to me. I have asked them to verify the debt and they sent me an agreement between me and some company called XXXX, this was back in XXXX of this XXXX. Bear in the mind the agreement had no signature from me stating I agreed to do business with this company. I have been a victum of identity theft in the year of XXXX. I had one account that I was able to have removed after providing a police report to the company. I'm curious if this account is similar to the other account, however I have no way of knowing as the company fails to provide me any additional details outlining why they are verifying this account as accurate. I sent in a letter on XX/XX/XXXX exercising my right under the FCRA to receive documented proof that I, the person they are proclaim own this debt, have a legal binding contractual obligation to pay this alleged debt. It has been over 30 days and they have not complied for the FRCA in providing the requested documentation. I have received no response from them. I have told them this was identity theft and yet they have continued to report this inaccuracy on my consumer report, thus preventing me from utilizing my credit for future purchases. This is my next solution before I file a small claims law suit for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Parctices act including but not limited to Section 807-8, and Violation of the fair credit reporting act including but not limited to section 623-b. I'm including the credit reports for the collection accounts and the police report of my identity theft for that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo over charging fees. Wells Fargo opened accounts, credit I never authorized.

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 2020-05-20
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: Information belongs to someone else

Complaint:
The accounts I listed are fraud I don't have any relation with those fraudulent accounts.

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 2018-04-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in the process of applying for a new mortgage. During the process, we discovered that Ditech applied my XXXX twice and then re-allocated the payment. The underwriter for the new mortgage is requiring a letter that explains what happened. 

I spoke with XXXX at Ditech yesterday. Initially, she told me it would take 10 days to receive a letter. Then, she said if I requested it via email it would take 30 days. 

I told her that neither of those options was acceptable. She told me that she couldn't do anything else. I insisted on speaking to a supervisor. XXXX came back on the line and said that the supervisor would prepare the letter and send it to me today via email. 

It is now XXXX and they have not sent the letter. 

This is delaying my mortgage application. I'm also concerned that they did not notify me back in XXXX when this error occurred.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JP RECOVERY INC # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. 

Are you ( JP RECOVERY INC ) Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note I do not recall as ever having done any business with your company! Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. This is a violation of my pricacy

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation