BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a Delinquency Notification dated XX/XX/2020 from Harris and Harris, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX. In the detail box on the invoice it shows a series of account # 's, dates and amounts owed of services from XXXX XXXX XXXX   XXXX XXXX. 11 of these transactions are duplicated on the invoice this company mailed to me. The claimed amount due is {$3700.00}. This is {$1500.00} more than what was the confirmed amount of {$2700.00} by the service provider, XXXX XXXX XXXX XXXX. And 2 of the detailed services are services for my Husband, who has a separate account. Additionally, we had Health Insurance with XXXX during the time of the services. 

An Example of this : ACT # ending in XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/2020 {$480.00} ( this is on line 28 and line 34 of Harris and Harris 's Notification ) I called Harris and Harris on XX/XX/2020 to dispute the debt and called XXXX XXXX XXXX XXXX to have the debt pulled from Harris and Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent a certified debt validation letter to Portfolio Recovery because there is a debt on my credit reports that this company has said it belongs to me. They have not sent me any validation of this debt and it has been well past the 30 days to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Caliber Home Loans, 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 filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: ACS Education Services
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.

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 2019-06-22
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I set up an temporary repayment plan with XXXX mortgage to bring my account current. I was instructed to pay by mortgage due 1st at the regular balance of XXXX and starting XX/XX/XXXX the payment I was behind would be spread out until XX/XX/2019 bringing my new payment to XXXX my servicer was changed to PHH mortgage. I was never notified the plan was canceled. PHH had the agreement plan from XXXX but told me I would have to wait for my payments to behind for 2 months in order to restart the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Accounts Receivable Services
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
to whom it May Concern this letter is being sent to you via the Cfpb website in response to a noticed that you sent to me on XX/XX/2019 Be advised this is not a refusal to pay, but a noticed sent in pursuant to the fair Debt collection practices act 15 uc 1692g sec 809 ( 8 )  stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address But a request for Validation made pursuant to the above- name title section 1 respectfully request your office to provide me with competent evidence that I have legal obligation to pay you. I will need for you to provide me a copy of what the patient was seen for what test was performed suck as lab work x-rays etc.. which Doctor saw the patient. at the time I will also inform you that if your office have have reported invalidated information to any of the three reporting agencies this action might constite fraud under both federal and states. due to this fact, if any marks is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the FCRA violation of the FDCPA if your office are able to provide the proper documentation as requested following declaration I will require at least 30 days to investigate this information during this time. collection activity must cease and desist I will be awaiting your response. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: ULRS, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters to the collection agency as well as the credit bureaus requesting validation of date that includes my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. and disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to XXXX which has caused a turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: WA
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 submitted a complaint about my forever decreasing credit score.. and the investigation is now well over 30 days and still no response from Equifax. Thanks kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Security Credit Services, LLC
State: MI
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:
A couple of years ago I opened an account with XXXX XXXX XXXX XXXX thru XXXX XXXX I bought a carpet cleaner and was having payments taken out of checking account automatically, my bank XXXX contacted me and they thought my account was having fraudulent activity so they cancelled card and issued a new one. I had called why not lease it and told them not to use card as it would be invalid and I would call when I received new card well they used my inactive card ( I 'm not quite sure how many times ) but for awhile it was 2 time a day and each time it was rejected they charged me another XXXX dollars? When I received my new card I called and told them the new # and thought everything was fine but When I went to apply for a home loan my agent informed me that I had this account overdue much to my surprise so I called the company that XXXX XXXX XXXX sold it to and paid the bill this wasXX/XX/XXXX and still even though my credit report states XXXX they are still reporting this every month and messing up my ability to get a home loan. I called XXXX XXXX and spoke to XXXX and she told me they wo n't quit reporting even though my account is XXXX. She also said they would continue for 7 years. Totally unfair as I did not even know this debt existed! I thought it would come off my report since I had paid it I have read numerous complaints about this company Can I get some help??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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 or about XX/XX/XXXX, Bank of America posted three charges to my credit card for a subscription service from XXXX XXXX XXXX from MN. Each charge was {$210.00}. 

I subscribed with XXXX for one XXXX service contract for one year at {$210.00} only. It is a video web service for conferencing and one subscription is all that anyone would need. 

I contested the charge and BOA credited the account for the two additional charges and began an " investigation ''. On XX/XX/XXXX, they claimed they had resolved the dispute and re-posted the charges. I contested it again. They advised that they would respond in 30 days. In early XXXX, I sent a certified letter with full documentation of the transaction, their correspondence, and correspondence with XXXX that confirmed that I only have one service subscription. Moreover, XXXX also agreed that they had only been paid for one subscription. 
In my latest ( XXXX ) BOA statement, the dispute issue has completely disappeared. I call them again, protested the charges again, was told a manager would call me back- they never did. 

This is my last resort before I seek counsel and sue BOA for my time, legal fees, and costs. It will be much more than the {$430.00} that is contested. 

Finally. after corresponding with XXXX, they pushed me back to XXXX Technical Service who claim they can not do anything with the issue because BOA has locked them out. 

For reference, the BOA account is current and being maintained.

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 2018-01-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Please remove/delete this from my XXXX Credit report. I have disputed this several times and I was told by two of the XXXX  customers service representatives that if I went to XXXX County courthouse that it will be removed with the proper paperwork. I immediately completed the Steps and sent in the original copy certified mail .contacted state of ga revenue. Then contacted XXXX again and spoke with an XXXX supervisor representative. Can someone help me please I was told that if I followed XXXX steps that it could be removed before 7 years. I apologize for not paying back in XXXX I was going through some difficulties in life but I did get it paid in XXXX. Can someone please have a listening ear and a pure heart. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a call from National Credit System Inc. ( XXXX ) about a debt that they were attempting to collect. It was {$120.00} for a cleaning on an apartment I used to live in in XX/XX/XXXX and XX/XX/XXXX. The problem is, is that we didn't leave the apartment dirty, it was actually cleaned before we left but I can not prove this. The main and pressing issue is though, that I never received back my security deposit, in which this {$120.00} should have been deducted from.

The original owners of the apartments sold it to another entity a few months ago, and it is the new entity that has sent it to collections. I am having a hard time trying to prove that we paid a security deposit, because I can't find a copy of the original lease from XX/XX/XXXX toXX/XX/XXXX, nor will they give me a copy of it ( claiming that it was in the files they received, which is a lie ). The collectors ( NCS ) won't give me a copy, and the new apartment landlord says they handed over all their documents and copies to NCS.

I'm stuck in the middle because I can't find a copy of the lease to prove we paid a security deposit, and that it was never returned me as required by law and the lease agreement. So if I could get access to the original lease, I can prove that there was a security deposit that the {$120.00} should have been deducted from, with the rest returned to me. The new landlord won't acknowledge that there was a security deposit, even though they forced us to pay a full month 's worth of rent as a security deposit, stated clearly as SECURITY DEPOSIT, not last month 's rent. I need help getting that original lease and help dealing with the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. 
They referred me to XXXX XXXX XXXX. 
XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. 
I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. 
I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. 
XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. 
When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. 
I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. 
I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.

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 2019-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
All of the money in my chase checking account was stolen by an unknown account via chase quickpay on XX/XX/2019. There were two unauthorized transactions under my brother and sister 's names but they were not recognizable email addresses. It seems like my chase account got hacked. One transaction was for {$1100.00} and one for {$87.00}. I was asleep when this happened and only found out about it when I woke up because of a notification. My brother and sister confirmed that it was not them and they did not receive any money in their accounts. I tried calling chase but they would not help me and were not able to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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:
I am writing to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please remove these as soon as possible. I XXXX XXXX am making this complaint. This is not a third party, you guys tried this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: DISCOVER BANK
State: NC
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:
I have inquiries on my credit files with XXXX and XXXX  from this company dated XX/XX/XXXX. I did not apply for credit from them on this date. I have an inquiry from XX/XX/XXXX,  that is a legitimate inquiry. I have asked the credit reporting agencies to remove these inquiries, but they do n't have to follow the law, so that was a waste of time. I have written to the company directly requesting documentation supporting their permissible purpose in accessing my files, but all I got I reply was verification that they did, in fact, access my files ... no proof of permissible purpose. Accordingly, pursuant to the FCRA, these inquiries should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted multiple times to contact FEDLOAN via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. 
When you get to discuss loan with agent the details change per agent. 

I simply want my total amount of payments to be accurate. I have had automated debit since the onset and on time 100 %. They did not give me credit for 3 payments because I paid more than the lowest amount thus fedloan took it upon themselves to just use the extra amount to not add to the principal as i requested but instead delay counting the amount of months for me. 

They will not give me written information regarding that date. I consolidated XX/XX/XXXX and instead of XX/XX/XXXX being the 10 year forgiveness date it has been changed to XX/XX/XXXX arbitrarily. 

I have talked to several people and it seems to be a common scam by FEDLOANS to delay the 10 year time frame to months and even years of more payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/2019 I entered chase bank located XXXX XXXX XXXX in XXXX New Jersey to deposit 10 money orders with a total sum of US {$9000.00}. The next day I was told there was a restriction on my account and I was to prove that the money orders was legitimate by bringing in the receipts which I didnt n have and had to have them shipped from overseas. I was able to provide nine out of the 10 receipts due to a miss placement of one. After that I was still told that I have to provide the 10th receipt in order to lift the restriction and if I cant provide it that my finances has two years to be claimed Or it will be sent to the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I  recently obtained a copy of my credit report from Equifax. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation