BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attention dispute department DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to  information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$2000.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was submit a complaint with XXXX XXXX  about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed onXX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The US Bank Reliacard website for XXXX in Pennsylvania states my Reliacard was mailed on XX/XX/2020. I never received my card! I called the US Bank Reliacard number to request a replacement card in XXXX and again in XXXX. STILL NO CARD! The first customer service representative I spoke with was a gentleman and he verified all of my information and said he would have another card mailed ASAP ... .Nope not yet. 
The second phone call I spoke to a woman and she said the gentleman never had another card issued and yet again I confirmed all of my information and she said she will request another card. 
Well, it is now XX/XX/2020 ... .I STILL HAVEN'T RECEIVED A CARD!!! My funds were loaded to the first card ... US Bank Relicard customer service cancelled that card when i called in XXXX ... .I just never received it .... 
Please Help!

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 2021-02-21
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They have hardship form to fill out on their website which I've done. Never get a response. I have to occasionally overdraw my account to pay bills and Vivid has hurt me as far as locating a part time job. I filled out the form for overdraft charges

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 2021-02-10
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I received a copy of my credit report and found that there is an error in the following item : 1 ) XXXX  ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XXXX XXXX ( Charge account, Opened XXXX XXXX, XXXX ( 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX, received the following from Amex : '' Due to your intention to file for bankruptcy the Amex accounts listed above have been cancelled. '' If they check their phone logs and chats, Amex would have realized this was an erroneous statement. The letter I have written in repy follows : Credit Manager According to a form letter, XX/XX/XXXX, you have canceled my accounts based on My intention to file bankruptcy. If you check your recorded logs of the numerous phone calls, and online chats with your low-level credit collectors, I  repeatedly requested that my accounts be escalated to a supervisor to work out a settlement or reasonable payment schedule. I indicated I would prefer to work out an agreement, rather than file for bankruptcy. 

These collectors only had the authority to offer the standard $ XXXX per month on each card. I had hoped that an Amex executive with administrative and credit authority could work out something that consolidated the debt on both cards and set up a realistic payment schedule that accommodated my age, XXXX, and my current financial situation, social security as my only certain source of income. 

I am sorry that you took bankruptcy as a statement of fact rather than an option. I also stated that at my age and with the threat of the virus, death could be an option. I do appreciate you did not take this as fact and address your letter care of my estate. 

I believe Amex is non-compliant in cancelling my accounts on my supposed intent to file for bankrupcy, and to advise me to write to a PO box ( which does not accept certified mail ) and no named individual to  write for questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX I received a credit monitoring alert on my credit file that Tower Loan MS pulled my credit. This was a hard inquiry on my credit profile and without my permission. This is the 2nd time,1st time was on XX/XX/XXXX. I am late paying my payment but Ive been unemployed and just now started back working. I will definitely be catching it up or paying off in the next couple weeks. I would like to file a complaint for this company for pulling my credit profile without my permission on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Navient Solutions, LLC.
State: PR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Thursday, XX/XX/XXXX I receive a call from Navient to my mom 's house. That same day, I send a cease and desist letter through fax to Navient, and today, I receive and e-mailed communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: IL
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:
On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Credit Service of Central Washington, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and XXXX XXXX XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. We are 10 days from the statute of limitations running out, even if this was a real debt. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i spoke with somebody to close the account it wasnt.Then called on XX/XX/2018 adn spoke with XXXX and she was rude.i ask why am i receiving a late fee she said becuase we didnt receive your money till the 9th. It is not fault you guys received it late. I ask for a super visor 3 time she come back saying there is none available. customer services was never right made me feel unwanted.Never again will i use them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, I was in contact with a person named " XXXX XXXX '' via text message from phone number XXXX about concert meet and greet ticket for XXXX XXXX XXXX in XXXX MA. XXXX stated that she would sell me two meet and greet tickets for {$40.00} a piece totaling {$80.00}. XXXX asked me to send the money through XXXX friends and family so that she did not have to pay the fee and wait for the money to come through. I sent the money to her and then she stated that she cancelled it accidentally. I asked her for proof it was cancelled in which she supplied me with a transaction number from XXXX. I resent money again to her and she stated that she received it. I asked for proof of the tickets and who she was and she sent it to me also. I never received the product I paid for. I contacted XXXX and they stated they could not do anything for me due to me sending it friends and family and not business transaction. I then disputed the transaction through Bank of America due to that being the credit card I used. Bank of America stated that they could not do anything for me either due to XXXX policies. I am looking to get these transaction taken off of my credit card due to it being fraud. I paid for a product I did not receive and have the text messages to prove 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 2020-08-24
Company: LEXISNEXIS
State: GA
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:
Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX, XXXX XXXX, XXXX, and Lexis Nexis to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to LEXISNEXIS  or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The people at the bank ( both in person and on the phone ) have been either unwilling and/or unable to help me. They promised me a supervisor would call me back but no one ever called. 

I had a FREE checking account with XXXXXX/XX/XXXXand when they were bought by Peoples United Bank I was assurred by XXXX XX/XX/XXXX that the account would still be free. 

The account is seldom used and as of XXXX, 2020 it had {$100.00} in the account. Starting in that month, Peoples United Bank began draining this account down to zero and then closed the account. 

This was all during COVID and I was unable to visit their bank for the most part during this time. 

When I went there in XXXX to close the account is when I learned that the balance was {$0.00} and the account was closed by them. 

This was always a FREE account and I want my {$100.00} back that was taken by Peoples United Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC is attempting to collect {$200.00} for a sprint phone bill. We had sprint for 1 month only. This can be easily verified. We signed up under a no obligation trial promotion. This is verifiable by googling sprint free trial etc. we cancelled and were told by a manager we would not be responsible. The is extremely ridiculous considering the OWE ME MONEY. They took our XXXX trade ins and we never got them back after we cancelled. XXXX fails to tell you that when you do the trial promo. So we lost our phones to XXXX, had to pay XXXX for them, and now they are trying to collect a months bill from me for a promo I shouldnt be responsible for anyway AND THEIR SERVICE DID NOT WORK IN OUR HOME! I cant move because of this collection affecting my credit score. This is an erroneous collection. Ive attached photos that show old excerpts about the promo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX Trans Union, XXXX, and XXXX XXXX to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to XXXX or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.

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