BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no legal binding contract with Columbia Debt Recovery. They are harrasing me for money I do not owe to them. They are sending me a contract that do not have my wet signature and it do not states I owe any money to Columbia Debt Recovery. They are furnishing data on my consumer reporting stating I owe THEM ( Columbia Debt Recovery ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: I.C. System, Inc.
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: Information belongs to someone else

Complaint:
XXXX  has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called ic Systems, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because XXXX  has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name to my account.

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 2023-06-14
Company: AMERICAN EXPRESS COMPANY
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:
I was charges by XXXX for an anual charge. When I received the bill and saw the charge I called to ask why. They said that it is automatic billing and even as I received no notice I am required to pay for it ... as back in 10 years back I agreed agrred to get billed annully. they said they will cancel the bill in XXXX.and I am free to use the product for another year. Even afrer I explained that I have not used the product for a long time and do not intend to used the product, thay said sorry the charge was charged already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted mortgage servicing company regarding my homeowners insurance which they took time to pay. It was finally paid but now has been paid multiple times resulting in me having a negative escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-04-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I would like to formally dispute the presence of inquiries on my credit report, as I have no knowledge of them and believe them to be the result of fraudulent activity. Please take immediate action to investigate these inquiries and remove them from my credit report. I have attached supporting documents to aid in your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly and unlawfully ignored my verified claims. This is a violation of TILA 15USC 1681 a ( 2 ) ( B ) because my social security card was used to create these fraudulent accounts. This is also a liable for fines under title 18 due to the false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender RUSHMORE, had violated almost every right in the home owners bill of rights. I submitted a modification package they XXXX XXXX  service. Transferred me to RUSHMORE, not once have I spoke to my rep, in loan mods. They said the package wasn't received in time, they have a filter on the amount of data they can receive, I sent the package in 2 sections, they say it's incomplete, throughout they have dual tracked my loan, my daughter was hit by a car I missed court but had a PhD medical excuse, I had to refile my XXXX they sold my house without checking the XXXX filing after I told them I filed, i owe XXXX XXXX they say I owe XXXX because of their fees. 
I'm a 30 day period the changed my payment 5 times, the attorney without authorization raised my interest to XXXX when the cap on my modification is 4 %. 
During the pandemic they refused to grant me me a forbearance, for over a year the have applied undue influence upon my family causing such duress my daughter has been placed 3 separate times for 2 week periods of XXXX in the last 3 months, she still suffers daily from psychotic episodes. For a year they have tried anything to make our home unaffordable. All my escrows are caught up I'm behind {$8000.00} in XXXX. But they are penalizing me {$23000.00}. For year they have objected to my XXXX  while I paid {$700.00} extra to catch up. They use multiple servicers to act in a predatory manner behind the veil if their Servicers XXXX XXXX  pulled my mortgage out of the XXXX XXXX pool and privatized it to allow them to skirt forbearance and actively forclose my equity all while I'm waiting delays in Soc Sec XXXX review. They act in a usury fashion all the while their henchmen over at RUSHMORE sit on their UNPAID TARP ASSETS IN THE TUNE OF XXXX XXXX dollars of unpaid loans to he AMERICAN TAX PAYER. They should be shut down for there predatory actions and be forced to pay restitution to all the homeowners they have illegally foreclosed. Thank you for your time and consideration in this matter, anticipating your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a prepaid card from NetSpend. I called the company and told them that I did not approve and filed an application to get this card. It looks just like a credit card, that is what I thought it is, but a representative said it is a prepaid. I told them to close this account since I did not requested. I also, spoke with the supervisor XXXX XXXX regarding my concern that I did not approve and or filed an application. I do not want any cards coming to me without my authorization. The supervisor told me that my account is closed now. I want to complain to the headquarter and she could not provide me with a phone number of the corporate office. I, also, want to be in writing that my card is closed, which she could not provide. I want this in writing and that NetSpend send me a letter that my letter is closed and that they are no financial obligations from them to me. As well an apology of abusing their corporate powers to use my personal financial information. Also, be permanently deleted from their database. My major concern is this corporate ethics can be very dangerous to some ones personal information. I did not approve and requested this card. If it would get lost in the mail and comes in the wrong hands someone might used it and I would never have known about it. This has to stop. No financial company or any kind of institution should send me any cards without my approval. The consumers should be protected and not leave them with any risk.

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 2017-06-22
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Paid three loans in full while on a temporary deferment. I resumed payments only to be told now that my monthly payment went up because I only have one federal loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX XXXX I moved from XXXX NY to XXXX XXXX.In XXXX I did a cotrract with XXXX XXXX XXXX XXXX XXXX NY ( a FL Co. ). On XX/XX/XXXX XXXX XXXX XXXX Lines caller said they would deliver my furniture & belongings to XXXX XXXX XXXX XXXX XXXX TX on XX/XX/20. That day, my daughter XXXX XXXX XXXX XXXX XXXX took me to the Chase Branch in XXXX where I had a cashier 's check for {$6200.00} made to XXXX XXXX XXXX XXXX. On the XXXX I presented the check to the mover & he immediately sent a photo of the check XXXX ( he said ). When they replied the moving man said the checked had to be changed to XXXX ( a NJ Co. ). My daughter and I went back to Chase. The teller XXXX XXXX said he cancelled the check, redeposited the money in the account and issued me a new check.The following week I learned I was deficient in the account by {$4400.00}. On that Friday XXXX I went to the XXXX branch, was redirected to the XXXX XXXX XXXX XXXX XXXX XXXX. There I explained the dilemma and the associate said she saw that someone had debited the returned money ( duplicate adjustment? ). She attempted to make an adjustment. At XXXX my daughter came to take me back to XXXX. The associate said she would call me the following Monday or Tuesday. When she called she said the adjustment couldn't made and Chase had no liability. When I got the statement I could see that there was a duplicate debit item, but had no idea what it meant. On Thursday XX/XX/XXXX my daughter called XXXX and asked if they had received a check and was told they had no record of receiving it. I logged on to the Chase complaint and filled a notice. We then called Chase Corporate and asked for an explanation of the " duplicate item ''. We got no reasonable answer. We explained the happenings and was told that the associate could make an adjustment but when she transferred the call the associate paused and then terminated the call. We immediately called back during that conversation some man said the {$6200.00} check had been cashed at XXXX XXXX XXXX. We questioned that as that check was supposed to be cancelled. Nobody answered our question. I have no dealing with XXXX XXXX being from the XXXX my whole life, except 9 years in North Carolina in retirement with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a transfer of {$100000.00} thru synchrony bank from my XXXX bank account to open a CD with synchrony bank on XXXX XXXX. My XXXX bank account shows the money was withdrawn on that day. On the same day ( XXXX XXXX ) that synchrony received the money they had also closed the XXXX that the money was going to. Since there was no account for the money to go to synchrony was sending the money back to my XXXX account. as of XXXX  XXXX XXXX that money has not been returned. I have made numerous calls to both XXXX and Synchrony regarding this situation. At first I was told by Synchrony the money would be in my account within 5 to 7 business days. then 4 more days then tomorrow. The next information I got was the money was being held by XXXX XXXX, that handles the ACH transfers for Synchrony. XXXX would not speak to me about this issue and would not confirm that they were holding the money. I had asked XXXX on several occasions, at the direction of synchrony to do a Debit Reversal, however, on a conference call with myself, XXXX and XXXX we were told that XXXX would not talk to XXXX about this matter because there were not a client of XXXX. Synchrony continues to insist that there is nothing they can do and that XXXX has to retrieve the funds which they can not. At this time Synchrony is not returning calls to me or providing information when I call them. Each bank tells me the other bank has to retrieve the money and there isn't any more they can do. For the past 30 days I have repeatedly tried to get both banks to get involved with finding this money to no avail. There is NO where for me to go to resolve this matter if neither bank is willing to, Yet my {$100000.00} is still missing and earning no interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I had two credit cards accounts with Bank of America, one opened XX/XX/XXXX with a Credit Limit of {$500.00} and the other opened XX/XX/XXXX with a Credit Limit of {$3000.00} both of them are over 10 years old and you guys still report them to my credit. Please stop reporting these two accounts to my credit report, they are too old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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: Account status incorrect

Complaint:
The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt

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 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a satisfaction of Judgement dated XX/XX/XXXX. They continued to garnish my pay until XX/XX/XXXX. When I contacted the company to be reimbursed I was told they needed time to update their files and s check was mailed to me on XX/XX/XXXX. As of today XX/XX/XXXX I  have yet to receive it. When I call I never get a straight answer. They even went so far as to tell me to check my bank accounts to see if it is there. They never had my bank info so that is another lie. The name of this agency is Portfolio Recovery Assoc XXXX XXXX XXXX XXXX XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Portfolio Recovery is trying to collect on a debt for XXXX XXXX and I have NEVER had a XXXX XXXX account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting 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:
Its several hard inquiries from capital one card services and I never approved those hard inquiries I filed for a car and was informed that it wouldnt be a hard inquiries because its pre approval if Id have known it was going to be a hard inquiries I wouldnt hv went through with it the only inquiry should be my existing capital one account that was opened and is currently active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Io, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported to the credit bureaus and to the collection agency sent letters of validation and I asked the credit bureaus to verify these accounts on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was illegally served an unlawful detainer for an apartment I was leasing a couple of years ago. When it came time to go to court and I had proof of the illegal service, the company decided that it was best to settle. We then agreed that I would have XXXX balance and my debt would be erased without prejudice. About 6 months after moving out, I received a call from a collection agency. I reached out to the original creditor and asked them what was going on, their response was " No you still have to pay! '' I then disputed the charges as I was obviously not responsible for the bill as agreed in a superior court. 

Fast forward, I have received additional calls and hardships and when I contact the original debtor now, they have been bought out by another company. Even after presenting evidence to the collection agency the lady said " I've seen times where it doesn't matter that you have a judgment in your favor. You still have to pay! '' How can a creditor blatantly ignore a court of law? This has caused me to miss career opportunities, housing opportunities, and it's even caused an unnecessary burden on my relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Paramount GR Holdings, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Goodleap contacted us in XXXX 2022 about a possible refinance of our current home mortgage. We were working with a representative named XXXX XXXX We went through the mortgage process and submitted all the paperwork. We ran into problems when it came time for the appraisal. The appraiser called us and said that Goodleap was asking him to remove items from the appraisal and he felt it was improper from Goodleap to ask him to do that without consulting us. We contacted the representative we were working with at the time, XXXX XXXX, and she assured us that everything was ok and that she would clarify the situation for the appraiser. The appraisal came in ( and he made a note that he removed items at the request of the loan company ) and then my husband received a document from XXXXXXXX XXXXXXXX through XXXX. It was a rate lock-in form and my husband signed his part of it. When I began reviewing the document I noticed that the loan terms had all been changed ; the amount was lower and we were no longer offered the cash-out option so I did not sign the document. Goodleap did not call us to explain any of the changes before sending the document. I feel that this was intentionally deceptive to lock us into a loan that we did not want. This issue, coupled with the appraisal issues, had caused me to submit this complaint.

Company response to consumer: Closed with explanation