BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-22
Company: NCC Business Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collections company XXXX XXXX XXXX has bought a false debt from my previous landlord. I absolutely have no ideal what this debt is about. XXXX XXXX was my previous landlord. They are responsible for sending the false debt to collections. They are trying to make me update or remodel there apartment. I never damaged anything in the apartment. Why should they be allowed to write an itemized list and send it to a collections company. This is ruining my credit. I feel helpless in this situation. Landlords should not be able to do this with out going to court. They should not be allowed to just sale it to a collections company. This matter should have been settled in court. I have no rights in this manner. I had a lawyer send NCC a letter for verification of the debt. He sent two letters before we received a response. The letter they sent for proof was just a written out piece of paper. I mean how is this proof? No picture of a messed up apartment, absolutely no verifiable evidence. I disputed the case with XXXX. They refused to take it off my report. XXXX said this was a verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank account was sent to the estate department at B of A, and the dispursed the funds to someone else, without proper probate papers ...

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 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am highly concerned about recent practice that Capital One has put into place. I asked my daughter to make a deposit into my account as I was unable to make it to the bank before they closed. Upon her making the deposit they requested her identification and social secuirty number - all this to make a deposit of 4 checks and cash, the total being less that {$4000.00}. When my daughter pressed to understand why they are asking for such information for a deposit, she was told that it was a new federal law to ask for Identification and SSN for a deposit. If she did not provide such information that the deposit would be rejected. When she relayed this to me, I immediately knew that this was not a federal law, it was more of a bank rule to safeguard againt check fraud. My concern with this is what are they doing with this information, especially the SSN. Are they mishandling non-client information for personal gain? One has no idea. That is very concerning. Futhermore, the inaccuracy of this being a federal law is ridiculous, and a compete lie that they are informing customer and non-customers alike.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter demanding payment for an electrical bill for an old address during a date that I did not live at that address. The amount is for XXXX. They did not send me any evidence of this bill in the past, which was dated at XX/XX/2016. False claim. This was not on my credit report either. Seems completely fictitious if valid. If valid, it is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: VA
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:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS CBNA, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-09-15
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My load was sold to PHH mortgage and they took my XXXX payment for my old mortgage company. I made my XXXX payment on the XX/XX/2021 and it was retuern to me on XX/XX/2021 and when i called to make by payment on XX/XX/2021 so it will not be late no one will take my payment over the phone and is tell my that I have a 60 day grace period that my credit will not be effect but it looks like Iowe 14mths of payment which the have made all payment before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I called to pay off my loan for my vehicle. They told me I would have to mail in a check or walk into their bank in order to do this. They where not allowed to pay off the loan by phone or online due to bank policy. When I asked why was it bank policy both the customer service rep and their supervisor said that it was just bank policy and that 's just the way it is. My problem is that they charge interest on your loan everyday. If they did this with everyone then they would potentially make millions off of this one way payment. This seems illegal to me. 
I was put into contact with their manager and they did allow me to pay off my loan by phone after I left them a voice message saying that their bank was sued prior for changing dates of payments in order to make the individual overdraft. I do not know of it was the message I left or the manager just decided to do their job either way I feel that this needs attention. 
The bank is rbs citizens Address is citizens bank XXXX XXXX XXXX XXXX, ri XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My loan was transferred to XXXX XXXX in XX/XX/XXXXfrom XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My loan was transferred to XXXX XXXX in XX/XX/XXXX from XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!

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 2021-02-10
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Adjustment placed a derogatory account on my accounts with the credit bureaus. I made a complaint to the Consumer Finance Protection Bureau. On XXXX Diversified Adjustment answered the complaint # XXXX and denied responsibility for the account. Subsequently, on XXXX they verified to XXXX that account was accurate ... Diversified Adjustment lied to the XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex-husband agreed to pay for medical services from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1300.00} and he did not pay. He provided my information and I was not present nor agreed to pay for such debt. I have no financial responsibility whatsoever because I was not even aware. 

Last year a the collection showed up in my credit report and I contacted XXXX   for an investigation. They only verified the accuracy of my identity but not the origin of the debt nor the correct debtor. I contacted the collector, Ability Recovery Services LLC ( the account was purchased by XXXX XXXX XXXX ) by certified mail on XX/XX/XXXX and instead of contacting/collecting from the correct debtor, they sent me another collection letter. I called them today XX/XX/XXXX and instead of investigating they hang up on me twice. 

Again, I never received medical services from XXXX XXXX XXXX XXXX nor I engaged in any financial transaction with them, therefore they should remove my name from such debt collection.

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 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt does not belong to the PERSON SUBMITTING THIS COMPLAINT and corrections have been made with the IRS. 

The following requests have been made to Bank of America, N.A. 

1. To provide Form XXXX and Form XXXX in regard to letter dated XX/XX/2018. 10 days were given to finalize this request. I need these forms to file Taxes. 

2. Requested ( repeatedly ) to have communication be in writing ONLY, yet they keep calling from number XXXX and I think XXXX also belongs to them. 

Currently awaiting their written response. 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 non-monetary relief
Consumer complaint received 2017-11-22
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i had several, around 12, credit cards to different businesses which were serviced through synchrony. every card had a XXXX balance but two of them. never had a late payment or over the limit ever. i recently received credit increases on all these accounts then synchrony closed them ALL. Over {$30000.00} in credit availability and it destroyed my credit. i did nothing wrong and they closed everything i had with them. THERE WAS NEVER ONCE A LATE PAYMENT, OVER THE LIMIT, ANYTHING NEGATIVE ON MY END TO GIVE THEM A REASON TO CLOSE EVERY ACCT WITH THEM. THIS HAS MADE MY CREDIT SCORE GO FROM XXXX TO XXXX AND I DID NOTHING. I CA N'T SEE HOW IT IS LEGAL FOR THEM TO DO THIS!!!

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 2019-05-02
Company: LD Holdings Group, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried numerous time to have two hard inquiries not authorized. One is with XXXX XXXX credit card offer sent in the mail. I already have a XXXX XXXX credit card but they offered an upgrade that I did not get They pulled my report without me being told. This was XX/XX/XXXX. 
The second involves Loan Depot pulling report when their online add for mortgage rates said " no need to pull credit ". This was XX/XX/XXXX. 
After many phone calls to credit reporting companies [ you can't dispute online ] they told me to contact companies directly Guess what?, most popular response was " I will have to transfer you " with no results. If by chance I did not see something in the fine print, I can not even get a response to that. 
After more than 6 hours today XX/XX/XXXX I have had it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
In XX/XX/XXXX I received a letter from the XXXX County ( IN ) Clerks Office that a judgement had been ordered on behalf of Midland Credit Management , Inc. We got this debt paid off & received a letter from the law offices of XXXX , XXXX , XXXX, XXXX  XXXX XXXX XXXX . The letter was dated XX/XX/XXXX & signed by XXXX XXXX XXXX, XXXX, IN office. The letter states " As attorney for the creditor on the above account, I certify that the above account has been settled. '' I am trying to purchase a home. The closing title company shows this as an open debt being reported still by the XXXX County ( IN ) Clerks office. I have been trying since XX/XX/XXXX to get this resolved. MCM agrees that the debt is settled but can't seem to get anything to the title company or the clerks office. We have had to re-scheldule the closing twice. Next closing is set for XX/XX/XXXX, assuming this matter is resolved. The title company has three pages of notes from talking to numerous supervisors at MCM. The only thing they are told is yes this debt is settled but the paperwork takes time. Remember, the letter from MCM 's attorney is dated XX/XX/XXXX. 
Can you help???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was given a credit of {$2000.00} with the Best Buy originally through City Bank. At a certain point they lowered my limit and this caused me to be over balance with them and have to pay extra fees. 

I was in college and the military at the time. This debt has been made whole with them. 

My credit score was lower, their interest rate was high, they lowered my limit which increased my fees and made it difficult for me to pay them the amount they were asking. This was in XX/XX/XXXX and 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 2018-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle from XXXX XXXX on XX/XX/XXXX, and never received notification from any lender to make payment. On XX/XX/XXXX I was called by fifth third bank by their collections department stating that I was delinquent. I communicated that I knew that I had a auto loan, but had not been notified in writing and made that request. 
The CS stated they could not send anyting in writing, but could take payment over the phone. ( I do not give or send money over the phone because someone calls and does not properly identify the business in writing and I can vet the information ). I got to the office on XX/XX/XXXX and spoke to customer service and requested a payoff and immediatly sent this via mail. ( As they refuse to take payoff via bank draft ). I am still getting calls from this banks collections department even after I have sent the payment in full. Just disgraceful treatment from a incompetent bank that is not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Sterling Infosystems Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX has listed an alert on my background on a case that has been closed for a period of time, stating the case is active of XX/XX/2018 in XXXX XXXX XXXX county.

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 2019-05-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to report a scam debt collector named " XXXX XXXX '', who claims to be representing XXXX XXXX at XXXX. I have received repeated phone calls and voicemails concerning credit card debt that is not mine. When I asked for a written validation notice specifying the amount, and the name of the original creditor I was threatened and dismissed. I have checked my credit card report for good measure before filing this report and there is no listed debt. 

These are the phone numbers that have been used : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: GA
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:
In a Consumer Credit Report from Equifax dated XX/XX/XXXX is shown the following : 1. XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. The XXXX XXXX XXXX XXXX obtained a consumer report about me on XX/XX/XXXX I have no account with any of the inquirers, I did not authorize any of the inquiries, I have a permanent security freeze in place on my file, and have opted out of promotional lists since XX/XX/XXXX. Also, there should be a permanent fraud alert on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Credit report is Equifax. When I check one of my credit score and I realized that One of Equifax that they put mistake background of resident/address. The address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I never been living in CA. I been living in XXXX, XXXX and XXXX  that's all Not CA. so I tried to online at Equifax but It is failed because saying not match as 2 questions. I called them and explained it so they asked me 3 questions and one is correct and 2 that I don't realized but said it is not match of course because of wrong background.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday the XXXX of XXXX I had deposited 6 checks into the atm. They immediately said there was a hold on them until the XXXX of XXXX. I have never had any bounced checks or returned items through depositing business checks. I proceeded to call BANK OF AMERICA and was put on hold fairly fast. Upon returning to my call the girl had stated that all the checks were dated the XXXX which is why they were on hold. I asked to speak to a supervisor who proceeded to talk over me and have no distinct answer why this occurred. She said I would have to call back tues or wed once they had processed, I stated I could not and they would have to reach back out to me as I was already inconvenienced with them already. No calls came either day, I called Tuesday and got the same run around. Today the supervisor informed they could not speed up the deposits nor lift any holds and could not give me a direct answer or return my checks to 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 explanation