BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by SHERMETA LAW Group PLLC, Third ( 3rd ) complaint! This is with regards to information obtained from the SHERMETA LAW GROUP resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from SHERMETA it has an old address even though my current address is in their files. See included 3 letters each showing correct address from SHERMETA LAW GROUP and XXXX XXXX clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from SHERMETA LAW GROUP is in the mail to me at my current Address!

My complaint is that SHERMETA LAW Group PLLC had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by SHERMETA LAW Group PLLC in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, MI XXXX in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notice of assignment to collection agency from Professional Account Management , LLC for {$50.00}. This is for administrative fee assessed by the New Jersey XXXX XXXX. 
Due to COVID-19, the toll plazas were closed and signs on the highway instructing drivers that tolls will be sent by mail. I have received my toll bills in mid-XXXX XXXX ( on or around XX/XX/XXXX ). I paid my toll bill online and disputed the administrative fee through their website. 
I received an email receipt for the toll payment with a note that my dispute of the administrative fees ( {$100.00}, originally round trip ) will be reviewed and I will be notified. I have never heard back by email or otherwise from the New Jersey XXXX XXXX until the collection letter from XXXX, XXXX sent to me on XX/XX/XXXX. 

I have attempted to dispute the collection with XXXX to no avail, called multiple times and it was clear that they can not be reached by phone by design. I have tried to work through the XXXX  of XXXX to get their attention and have someone reached me by phone, and they were more interested in blaming me than honestly attempt to reach me. 

On XX/XX/XXXX, I sent them a letter to dispute the charges and try to find a solution and I have yet to hear from them. They denied receiving any communication from me even though I attached a copy of the letter I sent them, which does not give me confidence that they are dealing with me with honesty and fairness. I am disputing the {$50.00} charge because I was not at fault when the New Jersey XXXX XXXX fails to send me the toll bills on time. Ultimately, I paid my toll bills but I will not give them the pleasure of acquiescing to them trying to collect through a collection agency. I was never, ever received any mail from a collection agency because I pay my bills, and my excellent credit score proves it. I simply dont want XXXX to damage 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 2018-09-23
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
As I had filed a complaint regarding XXXX XXXX XXXX XXXX rewards program, refusing to give points for my purchase {$59.00} and credit account balance CFPB # XXXX. Now XXXX XXXX XXXX XXXX changed the Order Number : # XXXX receipt transactions is " blank '' not identifying products purchased ( see Attached ). 
However, the original receipt of purchase Order Number : # XXXX shows what I ordered and identifying the products purchased {$82.00} I ordered boots and {$84.00} I ordered perfume which is a third party and {$59.00} was the reef and leggings which XXXX XXXX XXXX XXXX did not give me any points. 

XXXX XXXX got rid of fragrance and perfumes on the website ( See Attached ) which is a third party company XXXX. I believe they are trying to hide something and be deceitful because I filed a complaint against their rewards program, refusing to give me points toward my purchase of {$59.00} leggings and reef and my account credit balance which is wrong, it's not {$100.00} which someone is stealing my credit. Then they erase the perfume and boots I ordered please see receipt # XXXX and erase perfume and fragrance from the XXXX XXXX website ( see attached ) to hide their dishonesty and deception on my orders, stealing my credit and rewards. 


XXXX XXXX XXXX XXXX keep changing the rewards report acting retaliatory and belligerent not consistent with their on terms and conditions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have contacted Citizens bank numerous times regarding HELOC reset. When they called me back, they left a very unclear message in a broken English. The voicemail massage probably came from someone overseas, and the number they gave me is for a different business. They called me back only after 3-4 calls to servicing, including on with a supervisor Mat. He was not able to provide a  number to call regarding modification. 
When I spoke previously with a different rep, he told me to call XXXX, where they were unable to help me. I received confusing letter and loan statements. I am constantly being referred to someone else, or told to wait for their call back. I have paid them on time for a decade and want to avoid foreclosure by modifying the loan. Please help. 
My contact info is XXXX or XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I received a letter from a debt collector ( XXXX XXXX XXXX , XXXX ) alleging I owe Synchrony Bank, issuer of the Old Navy Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above 750 ) and would not want to jeopardize it in any way. I contacted Synchrony Bank to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call XXXX XXXX XXXX XXXX, and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.

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 2020-12-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account was dispute it and deleted for inaccuracies and they added it back after fraudulent activity and now theyve put the collection under a different Company to be fraudulent

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 2017-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened a personal loan under my name and social for {$20000.00}. This was a result of my identity being stolen. I never opened an account with Wells Fargo. I attempted to dispute the account and was denied and not given any assistance. I call now and all I get is the complete run around.

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 2019-10-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in a mortgage payment in access of my regular monthly payment. Fifth Third Bank applied the money only to my principle and not to my regular payment. They also charged me a late fee. It took several phone calls to get the situation rectified. Once I got someone to apply the moneys sent to my payment and then the overage to my principle I had to wait three days to confirm the changes were made to my account. When asked why they did this, I was told this was standard practice when large payments were sent in. When I asked how I make a complaint to the Consumer Protection Agency about this practice, the agent and her supervisor were unable to provide me with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank employees including the manager have talked my elderly parents into opening multiple IRA accounts and are taking their annuities payments. All of a sudden they now have a " Financial advisor '' who makes commissions off their accounts, but my parents have no understanding about what is happening with their money, this financial advisor is only concerned with his cut and my mom and dad have nothing.. This is taking advantage of elderly people! How is this allowed? This bank has basically bullied my parents into opening unnecessary accounts and is now taking their money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX County File # XXXX Plaintiff : Capital One, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # XXXX XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX, Third ( 3rd )  complaint! This is with regards to information obtained from the XXXX XXXX XXXX resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from XXXX it has an old address even though my current address is in their files. See included 3 letters each showing correct address from XXXX XXXX XXXX and Capital One clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from XXXX XXXX XXXX is in the mail to me at my current Address! 
My complaint is that XXXX XXXX XXXX XXXX had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by XXXX XXXX XXXX XXXX in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MI XXXX in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Elevate Recoveries, LLC
State: FL
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:
On XX/XX/XXXX I reached out to Elevate Recoveries XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX about 2 bills being reported on my credit report. I asked them to validate the debt the collected and they refused to do so. I was rudely spoken to as well as the phone hung up in my face once I ask for the debt to be violated. The services are listed as they were via my credit report : XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX I would like the delinquent account that could not be proven as mine to be deleted from my credit report or else I'm filing a lawsuit for not only the 4th amendment violation, but reporting of unverifiable information being reported on my credit report. I am giving 30 days from today before I take action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: VI
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:
To Whom It May Concern : On XX/XX/2020, XXXX XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX For EXPERIAN 1. Validate Account XXXX Account Number : XXXX Please verify all   information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : 3XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX   Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion and XXXX  have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2018-07-11
Company: Navient Solutions, LLC.
State: GA
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:
Contacted Navient concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. Navient also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Good day to you. I am sending in this complaint as a last ditch effort to remove a bankruptcy that is being reported innacurately on my experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that experian is not even responding to lexis nexis to remove this account. Please have them remove this as this is the XXXX month I have disputed with experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. 

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