BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Thursday, XX/XX/XXXX, I vacated my apartment at XXXX XXXX ( property address : XXXX XXXX XXXX  ; XXXX XXXX, GA XXXX ) ahead of my lease that ended on Thursday, XX/XX/XXXX. I received an email with a bill for final fees in the amount of {$120.00} after the end of my lease. Previously, I paid all bills through an online portal. Upon moving out, my access to that online portal was discontinued. I reached out to XXXX XXXX via phone prior to the XXXX due date to find out how to remit final payment, but did not receive a return call. I also reached out via email prior to the payment due date, and did not receive a response. 

On Wednesday, XX/XX/XXXX, I sent an email to the XXXX Grand Manager advising that in light of a lack of response, I would send a payment through certified funds to the office location via certified mail to satisfy the outstanding balance. I requested read receipts and delivery receipts to these emails so that I would have passive confirmation that my email was noted. While I did receive delivery and read receipts, I did not receive a response to this email. I waited 72 business hours for a response, and then proceeded as outlined in my email. 

On Friday, XX/XX/XXXX, I received confirmation that the certified funds payment that I sent via USPS certified mail was received and signed for by " Manager. '' On Saturday, XX/XX/XXXX I received a call from TransWorld Systems regarding this payment. The agents that I spoke to claimed that XXXX XXXX had not received payment. Additionally, the agents repeatedly asked for personally identifying information ( SSN, previous addresses, current address, etc. ), which I declined to provide. They asked for proof of payment which I was willing to provide, but they stated they could not provide an email address nor a physical address to submit this proof unless I provided personally identifying information. To date, they have not provided any contact information that I can use to submit the proof of payment. 

On that same day, Saturday, XX/XX/XXXX, I called XXXX XXXX and XXXX XXXX, Assistant Manager answered the phone. While she confirmed that the check was received, she stated that she was not sure about the whereabouts of the certified bank check and was unclear about why a payment had not been applied to my account. I informed XXXX that I would send a follow up email to her and to the manager recounting the details of our conversation, and expecting to be advised on when and how the final payment, which they confirmed was received, was not applied to my account and why my account was referred to collection. I also requested read and delivery receipts to these emails. To date, I have received a delivery confirmation, but I have not received a read receipt nor have I received a response. 

Please see seven documents ( e.g. emails, copy of certified funds, USPS delivery confirmation ) supporting this account attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been asking the 5/3 bank so many time to close the account # XXXX by writing to them and calling them. The reason is that I moved out of their service area from XXXX  to XXXX where no any 5/3 branches exist. However, the banker insisted that I have to come into the branch which is 1000 miles away. Then they ask me to write to them, so I sent them the letter a few weeks ago. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: SYNCHRONY FINANCIAL
State: NY
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2017-11-08
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third attempt to resolve the same and persistent issue I am having with Dovenmuehle regards a missing check for {$5500.00} they disbursed on XX/XX/XXXX. 

I am appealing to the CFPB to conduct an investigation into this. 
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. The compliant number was XXXX and I have attached a copy of that complaint ( Doc 1 ). The company responded on XX/XX/XXXX and the response is also attached to this complaint ( Doc 2 ). 

However missing from Dovenmuehles response were the important attachments cited in the letter and thus I deemed the response incomplete. These were also never received by mail either. I needed to see the copy of the check ( front and back ) to determine who and where it was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

On XX/XX/XXXX I submitted another complaint ( XXXX ) stating that this important document they supposedly attached, was, in fact missing. At this time I once again reiterated my request. On XX/XX/XXXX the company responded with a letter stating I would be mailed out both regular and certified mail ( Doc 3 ). 

As of XX/XX/XXXX I have still not received the information I have requested and feel as though this is a deliberate attempt to avoid providing the information. 
In addition to this lack of direct response Dovenmuehle consistently direct me to the new mortgage servicer ( XXXX XXXX XXXX ) for information. I have contacted XXXX XXXX XXXX and they themselves have not received any such escrow analysis from Dovenmuehle and their requests for this documentation have also been ignored. XXXX XXXX XXXX have suggested I file my case with the courts and that they would be willing to support my claims that Dovenmuehle have on multiple occasions failed to supply documentation on the handling of my mortgage while in their hands. 

I am requesting for a third time that Dovenmuehle provide to me a copy of the front and back of this check to confirm a ) if this check was indeed cashed, b ) who this was cashed by, and c ) the banking institution that cashed this check. 

Given uploading here and regular mail have failed I suggest that Dovenmuehle simply email all the documentation to me at XXXX XXXX XXXX to ensure that this is done in a timely manner. I would also like someone at Dovenmuehle to reach out to me directly by phone to help resolve this issue on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked twice today very politely to be taken out of the system because I 'm not the person they want to reach! 

They called me yesterday as well. 

Wrong number and continuous calls is harrasment.

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 2022-03-07
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I applied for credit and was denied, my denial letter is proof I was discriminated against. Amex should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: Experian Information Solutions 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:
To Whom It May Concern/ XXXX XXXX ( CEO ) Experian XXXX Box XXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 


XXXX XXXX XXXX TXXXX XXXX Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under the FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

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 2019-04-26
Company: World Acceptance Corporation
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX They are reporting the same account twice to each of the three credit bureaus making it look like I have more charged off accounts than I actually do. I've already attempted to dispute this and XXXX XXXX has yet to correct their reporting. I want this fixed on my XXXX, XXXX, and XXXX credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, World Finance Corp, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Selene Finance LP
State: NC
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:
This account was in bankruptcy until XX/XX/2018. Selene finance said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Albert Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two separate complaints with the same company. I opened an account with Albert Corp. Both a checking and savings account. They do not have a phone number to call and only have the availability to either text or email. I have contacted them by both methods and have received zero support. 

The first instance is that I have {$7000.00} in my savings. I recently had an unexpected expense where I was in need of {$1000.00}. Upon attempting to transfer the funds on XX/XX/XXXX from the savings to the checking account I was told that I exceeded the transfer limit of {$15000.00} over a 30-day period. Upon reviewing my transfer history, it shows that I have had no transfer since XXXX. I contacted customer service and was again told I exceeded the limit which I explained that I have not and sent them a screenshot of my transfer history they again stated I would just have to wait which is not acceptable. Again, I showed them proof of my transfers and I am not even close to the limit. Their customer service is now ignoring me by both text and email. I was able to pull two {$500.00} transfers as well as a {$200.00} transfer on XXXX but I want all of my money out so I can close the account. 

The second instance is that I am paid on the XXXX and the XXXX of the month from my employment and since the XXXX of XXXX falls on a Saturday payroll goes out on Friday the XXXX. I did not receive my check on the XXXX and assumed maybe it would be there later that night. On XXXX I checked once again, and no check was deposited. I verified with payroll and my online clock in system that the deposit was sent on XXXX to the correct account. I also verified that the last paycheck that was deposited into this account was XX/XX/XXXX ( XXXX payroll for XXXX ) I again contacted Albert 's support by both text and email and am now being ignored. I have requested a supervisor and I have also read their recent reviews that is also occurring to so many other members. I have bills to be paid and have no access to my savings nor my most recent paycheck of near {$800.00}. I have no idea where to go to retrieve my funds and no support. I am in desperate need of assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: NATIONS LENDING CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were supposed to close on XXXX XXXX XXXX and the mortgage banker had assured me every step of the way that we would close on time. Regardless of what the reasons and excuses were, we had completed everything on our side in a timely and orderly fashion. It was however, the mortgage banker 's responsibility to make sure everything on his end would go through, as well as plan for contingencies as this is part of his job responsibility. In addition to the failure to close on time, I was also assured several times by the mortgage banker 's supervisor that we would close on XXXX XXXX which then changed to XXXX XXXX. Subsequently we were not able to get possession of the house due to the title company that Nations Lending chose, which could not get everything completed on time. And to add more insult to injury, closing was scheduled at XXXX and the mortgage banker did not inform me that the title company on our side was rescheduling at XXXX, which then delayed taking possession of the home to the XXXX and made us look like fools at the closing table when the seller 's side had showed up with their title company. This has caused a moderate amount of hardship due to having to reschedule moving plans which increased the moving costs, days off for my wife that can not be taken back which were wasted, and general financial problems and stress as a result of this. Nations Lending supposedly prides itself on excellent customer service, and I feel that I have not received excellent customer service. All I got were irrelevant excuses. At best, the customer service was below subpar. 

In addition to the above, the mortgage banker that was working with me supplied me a different customer 's personal information which is a breach of privacy.

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 2017-11-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I 've been battling with XXXX XXXX XXXX since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX XXXX, subsequently XXXX XXXX XXXX  agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX XXXX continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however Experian and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX XXXX 's callous disregard for providing accurate information to Experian and XXXX is truly egregious and Experian and XXXX 's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.

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 2022-03-10
Company: EQUIFAX, 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:
company received Identity Theft Report for inquiry on my consumer report on XX/XX/XXXX, XXXX confirmed with USPS certified return receipt # XXXX. 

Currently past the timeframe for fraud deletions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed XXXX XXXX XXXX ACCOUNT XXXX and they are claiming that the information they are reporting is correct and verified! Even the credit bureaus report that the issue has been resolved according to the creditor. The issue was not resolved and definitely incorrect and has been reported for several years which cost me a lot financially. The mentioned account is a secured credit card for only {$300.00} and XXXX is charging me SEVEN TIMES the original amount! From what I 've read online, according to TILA ( TRUTH IN LENDING ACT ), legally, only 10 % interest can be charged. These incorrect pieces of information they are reporting has damaged my creditworthiness for several years. I could not even afford the interest for new loans. They gravely violated FCRA and TILA.

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 2017-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank card was stolen on late XXXX XXXX early XXXX with a balance in my checking account of {$85.00}. Who ever had the card made a series of fraudulent check deposits on for the amount of {$640.00}. The other for the amount of {$940.00}. I immediately went into the nearest branch and informed them as to what had happened and had the card cancelled and opened a fraud investigation. 
After sometime the bank reversed some of the fraudulent but not the others -- seemingly based on amount. What I would like is the before fraud amount restored to the account ( XXXX XXXX, XXXX NON-CHASE ATM FEE-WITH Fee {$2.00} {$85.00} ) and all other fraudulent activity voided.

Company response to consumer: Closed with explanation