BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: First National Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Settled to pay a debt with First National Collection Bureau Inc on XXXX/XXXX/XXXX the original bill was with XXXX XXXX for {$1100.00} they agreed to accept {$710.00} and have account settled in full and closed. First national stated they could email and mail me a letter stating account has been satisfied in full once payment is made. Now payment has been made and cleared with the bank on XXXX/XXXX/XXXX and after calling for 3 days I have not received a letter in the mail or an email. I called today XXXX/XXXX/XXXX and the customer service representative states the letter will be mailed today. The letter should have been mailed on XXXX/XXXX/XXXX or at least no later than XXXX/XXXX/XXXX. The company is giving me the run around and not answering simple questions like how long will it take to draft a letter stating account has been settled in full and account closed. The representative informed me I could go online but that only shows the amount I paid and still has an outstanding balance. When I asked the representative about updating the online information she states she will send up the request to her supervisor. I just want a letter and an email sent to me stating the account has been settled and closed for the agreed amount of {$710.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies XXXX XXXX XXXXXXXX reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies XXXX and Transunion removed these unauthorized fraudulent hard inquiries from my credit profile.

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 2018-03-26
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The XXXX have worked with Chase and XXXX for well over a year now to avoid having their home go to foreclosure. They have lost their income and are living with their children. XXXX XXXX has suffered 2 XXXX XXXX in this last year. Finally after involving the CFPB I have received the attached approval of the Short Sale from XXXX, the first lien holder. I also received the attached payoff demand from Chase. Finally we thought the transaction could close and the banks would receive their payoffs and the XXXX  could move from under this cloud. 

The Chase payoff which was executed last week was expiring on XX/XX/2018. Escrow requested it be extended to match the terms of the first lien approval. I received a call this morning at first claiming the demand was never sent, then claiming it was sent in error. When pushed if they would honor it, XXXX said sure, if you close in 5 days. Very glib and sarcastic, knowing that was impossible. So here the XXXX are again suffering form the Chase runaround, a year later. I am sending, faxing, mailing documents to Chase, they claim not to receive. I have attached the documents I have referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In late XXXX, I noticed that my XXXX balance was negative {$570.00}. I contacted XXXX to advise that all payments/monies that I sent was from my XXXX credit and NEVER from a checking account. My XXXX credit is in good standing but she stated that there were two charges from checks written for {$570.00}. I thought that the issue was resolved until I received a letter from American Coradius International in the mail stating I owe {$570.00} I did not send these two payments and do not have any idea who did. Perhaps I was hacked but I do not want to speculate. I did reach out to the individual who the monies were " sent ' to and that individual advised that the funds were not received but that the XXXX " XXXX XXXX '' attached to their account was missing. I believe that person may have completed a police report also but am not certain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions Inc.
State: MO
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 requested an investigation into the following unknown and unauthorized credit inquiries listed on my Experian credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Experian credit report. 

Thank You For Your Time.

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 2017-10-14
Company: JPMORGAN CHASE & CO.
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 ordered a chase card last XXXX. Over the course of months my credit card was being charged for internet purchases called 'cheng fei ''. After a couple of months my {$4000.00} limit credit card was charged for over {$8000.00} in charges. I called and wrote letters and Chase refuses to resolve this issue. 
I do n't know what the charges are for and I also do n't know how my credit card was charged over {$4000.00} past my limit. This is not legal! I have talked to customer service, the fraud department and even wrote a letter to the head of Chase credit cards. They refuse to acknowledge their mistake and refuse to remove the charges. 
I do n't know what else to do at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I had a business called XXXX XXXX XXXX XXXX XXXXXXXX with a business partner. In XXXX of 2020, my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when Chase and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Long term customer of Citibank ( 10 years + ) - platinum visa card. Perfect pay history with Citibank and all other creditors.

Citibank misapplied one payment ( as I had made it 3 weeks early - they erroneously applied the payment to the previous month ).

Once I contacted Citibank they fixed the error and properly re-applied the payment and reversed the late fee.

However several months later when I applied for a second VISA card - they turned me down citing a recent late payment - I explained that this was their error. They acknowledged this from notes in their system yet refused to grant further credit or reverse the credit inquiry or give me assurance that their error was not reported to the credit repositories.

I would like Citibank to reverse the credit inquiry and update the repositories that there was no late payment.

I highly value my credit rating, which is perfect and I do not want Citibank ; s error to blemish this perfect record. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, 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 non-monetary relief
Consumer complaint received 2019-02-15
Company: Bronstein & Weiss Arbitration
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2018 I was contacted by someone claiming they would be serving papers for check fraud and I needed to be at my home at a certain time of day. I was told if I was not there to be served, a warrant would be placed for my arrest for check fraud for a debt nearly 15 years old. With the holidays, I was unable to be at home during that time and was told my only other option was to sign a payment agreement. I asked for a proof of debt and was told none would be given in writing unless I was served with the papers, and that I could not request them. 
I asked for details about the charges they were serving papers for. The lady advised that they had me down for felony check fraud, as well as a few other things, and that the minimum sentence was at least a year served. Panicked, especially with a new baby, I consented to the signing the payment agreement without doing further research. At this time, Ive paid them around {$600.00}, and have taken steps with my bank to dispute those charges and cancel the upcoming payment of {$1200.00}. 

The debt in question was well beyond the statute of limitations. This was intentionally misrepresented, I was threatened with jail time, and forced to sign a document quickly to avoid being arrested. They refused to provide a proof of debt or give any additional information about the money owed to a payday loan lender. 

I have contacted the initial creditor, and this is NOT the company that they have authorized to collect a debt on their behalf. This IS a scam.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-23
Company: Managed Recovery Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Managed Recovery Systems keeps contacting about a debt they have yet to validate. XXXX XXXX requested debt validation by mail inXX/XX/2017.  Managed Recovery never replied. Now they are sending threatening letters in the mail for {$140.00}. They can not threaten to destroy my credit or sue for debt that has not been validated. I dont even know where this is coming from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: TX
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:
Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

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 2018-01-16
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. 

Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company a letter asking for their license stating that they are licensed in my state to collect. I asked for them to send me a calculation to prove the amount that they state is the correct amount of {$110.00}. I asked for them to send me a copy of their assignment to the debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX/XXXX/2019, I made a cash withdraw from an ATM in XXXX, XXXX XXXX. The ATM dispensed cash in U.S. dollars in the requested amount of {$400.00}. The ATM advertised and charged a {$3.00} ATM fee. Synchrony refuned the {$3.00} as it fell under the $ XXXX monthly refund for ATM fees assessed. However, a 1 % or {$4.00} foreign transaction fee was also charged to my account on XXXX/XXXX/2019. I contacted Synchrony to inquire about this charge. Synchrony insisted they had not charged the fee and that the charge was coming from the other bank. I explained that the charge was not advertised on the ATM and I had not agreed to a foreign transaction fee thereby making the charge unauthorized. After some back and forth, Synchrony provided me with a Transaction Dispute Form on XXXX/XXXX/2019. I filled out the form, had it notarized by a licensed notary, and submitted the form to Synchrony on or around XXXX/XXXX/2019. As of XX/XX/XXXX19 ( 1 month later ), Synchrony has not processed my dispute or refunded the unauthorized foreign transaction fee amount of {$4.00}. As previously stated, the {$4.00} charge is not authorized. As it was not authorized, it qualifies as a fraudulent charge. Therefore, Synchrony must refund the {$4.00}. As Synchrony has not properly addressed this issue, I am failing a complaining with the CFPB to push Synchrony to address this issue. I also submitting this complaint to create a formal record of the issue and Synchrony 's inability or refusal to act on its customer 's behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get the correct amount of debt owed on my mortgage asked for 3 months to get a copy of the original mortgage documents company is unable to provide the documents. 

They sent me a inaccurate transaction history I was able to find 2 bank statements showing payments that was not on their history. I have provided this to them but did not get any response. 

They are unable to provide mortgage docs showing the obligation of the debt and the transaction history is inaccurate It is the responsibility of the lender to provide accurate proof of debt. I have given them documentation that their information is inaccurate. 

They violated my rights by making phone calls to my cell phone after being requested not to. I attached a email showing I released them from this after several calls were already made.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan, the loaning agency previously held onto my student loans which I had paid in full, and on XX/XX/XXXX I requested a {$10000.00} refund which I hoped to get forgiven through the Student Loan Forgiveness plan. They initially told me it would take 2-4 weeks to get my loan back. Shortly after this window passed I called again and was told I was mistakenly told wrong information and that it would *actually* take 6-8 weeks. I asked for a hard deadline of when I should be expecting this refund to process since they had already passed the window initially given and I wanted to be able to plan financially. They told me objectively I should see this processed no later than the end of XXXX. The end of XXXX has come and this still never processed. They have now stated they no longer handle student loans and to reach out to the assigned company, but no company has been assigned to handle my loans. I do not know if this refund is still going to happen at this point but I want to know what to expect so I can plan accordingly. I am upset that FedLoan lied to me, not once, but twice, about this planned time frame for getting the refund as I am now unable to even apply for the forgiveness since it has been blocked by the Texas judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I noticed a fraudulent charge in the amount of XXXX from a merchant called XXXX XXXX charged to my Chase Visa. I immediately called the chase fraud division to report a fraudulent charge, and they told me to immediately destroy my card and begin using a new one. I complied with these instructions. Today I received a notification that I had " received some benefit from this transaction '' and that they would be recharging me for this amount. I did not receive any benefit and have never signed up for an account let alone heard of this company. I am very frustrated with them and don't understand how I received benefit from something that I did not charge and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CITI 's Retirement Plan Services in XXXX XXXX, Texas is holding my father 's IRA hostage in what appears to be an overt act of theft. He XXXX  about 5 months ago. In speaking with agents of the Texas state banking division I have been told that you have oversight over IRA accounts for huge corporations like CITI. 
It is not a large account - a few thousand dollars - and they refuse to divulge exact details about it even to my sister as estate Administrator. 
When he set up the IRA, he stated that the beneficiary of his account would be a trust established in his name. Unfortunately, as sometimes happens in these cases, he never got around to establishing such a trust. 
The front desk employees who I am allowed to talk to tell me that a more authoritative person will call me but they nobody does so. I have been sent a request for verification that I am a trustee of his ( imaginary ) trust. The front desk employees tell me that if I do n't have the papers they need, they ca n't talk to me. 
The cost of getting a lawyer involved for such a small account is obviously prohibitive, and I 'm sure they realize that.

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 2020-05-04
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: Information belongs to someone else

Complaint:
I KEEP HAVING ACCOUNTS APPEAR ON MY CREDIT REPORT THAT I THINK ARE FROM MY IDENTITY THEFT CASE FILED SEVERAL YEARS AGO.

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