BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services is attempting to collect a debt that is not owed. 
I have never entered into a contract with Resurgent Capital Services or LVNV Funding LLC. 
I have made repeated request that the company validate the debt, all the while the company provide a deceitful claim as proof. 
This debt is being reported as a new debt every month by the company along with negative information sent to the credit reporting agencies. 
I submit that the company Resurgent Capital Services has violated multiple statues of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. ) 1692p

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to sell an item om XXXX XXXX and the buyer requested to use XXXX. Since ive used it in the past i agreed. 
the buyer was supposed to deposit XXXX via XXXX. I received a notice, from what now appears to be a false XXXX email stating the funds were on hold because i didnt have a " business '' account and the claimed they had to charge the buyer another XXXX the y then said that I had to reimburse the buyer and then thay would reimburse my account XXXX. Like a sucker I did. after an hour i recieved another notice that the XXXX customer service inadvertently charged the buyer another XXXX which like an XXXX i reimbursed the buyer. As you can guess i never received my funds and am out XXXX. 
I contacted PNC Banking and the basically told me so sorry, so sad, cant help you. 
I explained to them it was their platform that was being used to perpetuate this crime but they dont seem to care. 
I contacted XXXX and they confirmed it was a scam as they dont send emails. 
Another scam they are attempting on XXXX is the XXXX XXXX scam. Ive had 3 entities try to get my info that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This complaint is regarding my online baking with Citizens Bank ( Citizens Financial Group , Inc. ). I am using my online baking bill pay feature to pay a credit card bill at XXXX XXXX. The Citizens Bank bill pay feature allows you to enter an " Amount '' to pay  and a " Deliver By '' date. On Monday morning XX/XX/XXXX, I entered the " Amount '' of  {$3200.00} and the " Deliver By '' date of XX/XX/2018 and submitted the payment. After the payment is submitted I received a confirmation page indicating that the payment was scheduled for a '' Deliver By '' date of XX/XX/2018. 

The due date on the XXXX XXXX CC was XX/XX/2018. On XX/XX/2018 I noticed a late fee from XXXX XXXX in the amount of {$32.00} as well as {$51.00} in interest ( I pay the full amount every month to avoid interest ) and called XXXX XXXX. They stated that they did not receive the check from my bank as of yet. The waived the late fee and asked that I check back in a day or two as maybe it was in transition. 

On XX/XX/2018 I checked my online baking and it stated " Check # XXXX was mailed to XXXX  XXXX Credit Cards for receipt byXX/XX/2018 '' however XXXX  XXXX still did not receive the payment. I then called Citizens back and they stated that the check was sent out, possibly on the XX/XX/XXXX and that it was the US Mail who did not deliver it yet. 

My complaint is directed at Citizens deceptive wording on when the check is delivered. Using the words " Delivered, '' " Delivered By '' and stating " Check # XXXX was mailed to XXXX XXXXXXXX Credit Cards for receipt by XX/XX/2018. '' are inaccurate. Because of this I incurred interest and a possible late fee not to mention a hit to my credit history. 

Additionally when I called Citizens Bank and had to wait 26 minutes on hold for someone to speak with, they started to tell me that the word " Delivered '' and " For Receipt '' means it could have been mailed or sent electronically from the bank on that date and that XXXX XXXX would not receive it for 3-5 days however they didn't seem sure themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I'm trying to fix my credit and I call JPMBC-Auto " chase bank '' to find out about my acct to negotiate. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XXXX XXXX i ask about the car title they didn't want to give me information about either. agents i talk was XXXX Id # XXXX XXXX Id # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ability Recovery Services opened a collections accounts on XX/XX/2022 of which I was never notified in writing, and I have yet to receive a debt validation and verification letter. I have no knowledge of this account and it has had a severe adverse effect on my credit.

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 2016-05-19
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
we were never notified by them of the debt.they claimed they sent a letter and called. I told them I never receieved a letter or call. Woman said they tried and if I do n't answer they cant leave a message.And we never knew until we got a call from the bank and called and ask why.the very rude woman said it was a tax lien by the state. I looked on the department of revenue site I owed nothing .I called the department of revenue and they said it would n't show on line because it was a audit that found we owed more money for 2012 and those do n't have case # to show. Department of revenue said call premier back and they should make arrangement. the woman there said only way she will make a arrangement is XXXX today .I advised I do n't have that and she said well we wont make a arrangement .I told her the superviosor with department of revenue said they are suppose to. she advised me the department of revenue ca n't tell them anything to do or how to do it. And they still have our bank account frozen and refuse to make any payment arrangements.And trying to collect a amount not even owed.

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 2021-02-26
Company: Regional Management Corporation
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:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It is challenging to request credit reports online or via telephone. When I log into my online account for Transunion, it either directs me to pick a plan to pay for service or blocks my requests for a credit report with a message that says " We're unable to complete your request online. '' I tried calling Transunion several times over the last few months and I've spent hours waiting on hold or the automated system will eventually hang up and send you a text to start chatting via text. The live agents via text stated they can not request a report for me via text because I am a fraud victim. So how else will I be able to request a free credit report? This has been going on for months and TransUnion should hire more agents to be able to take calls from people in this situation.

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 2021-06-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/21, A man with a very thick accent called to say they were sending me letters to my home ( where I no longer live ). That they are trying to help in a situation with my daughter and just need me to verify some information. I asked several times, what type of company is this. What services do you provide. He kept evading the questions. He just kept repeating we are calling to help in a situation with your daughter and then said her name. The caller kept pressing me about the verifying some personal information. I finally said " XXXX '' as to indicate the house numbers to my former address. He then proceeded to say this is ... ... .and we are attempting to collect a debt. I told him what he did was illegal and I hung up. 

The company Healthcare Revenue Recovery Group. The phone number XXXX. 

The crazy part? My daughter has XXXX XXXX and XXXX XXXX and was covered under XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Previously I had filed against XXXX XXXX located in XXXX California regarding a bumper on a XXXX XXXX that I purchased.The bumper was coming off the car and we finally reached an agreement.On XXXX/XXXX/XXXX The air conditioning in the car went out. I just can not understand how a car can have so much trouble in 4 months.I am without a car for 2 days.And if the car was inspected it must not have been a good inspection.reimbursement for loss of use.

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 2022-08-31
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a lapse insurance coverage from XX/XX/2022 to XX/XX/2022. This was because we were out of country and missed renewing the policy on time. We did reinstated the policy and provided the proof of insurance on the mentioned website as soon as we received the communication mails from lender ( Flagstar Bank ) upon our return. In those mails they did mention that they will need to buy the insurance and lender purchased insurance will be expensive ( off course we did not see all that till we got back ). 

For the 30day period, lender is charging us {$520.00} for the 30 day period of missed insurance ( almost. This feels very egregious and is more than 5X the insurance cost that we currently pay. 

Upon my research, I found that under section " 1024.37 Force-placed insurance '' of Regulation Z, that such charges should be bona fide and reasonable. I do not believe that this charge is reasonable by any means and appreciate your support in resolving this issue.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased GAP Insurance with the purchase of my vehicle at XXXX XXXX in the event something would happen. I didnt have the vehicle 2 weeks and someone/persons did a drive by shooting on my vehicle and totaled the car. My loan was through Huntington Bank My GAP insurance did not pay the whole amount of the loan as stated when purchasing the extra coverage. XXXX remains on my credit that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company needed an account number in order to identify me for my last dispute. I did not have an account number due to me not having a validated account with them.

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 2016-07-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A Ditech representative called and said XXXX XXXX of Ditech asked her to call and inform me that Ditech was denying my loan modification because I did not have a payment arrangement with IRS. 
When I told IRS they said to send them proof that Ditech told me they would not give me loan modification unless I have payment arrangement with IRS so I waited for the letter from Ditech stating the reason for my loan mod denial. When the letter came it said THAT I CANCELLED the loan modification request. THAT IS NOT TRUE! 
I then called Ditech and recorded the manager reading the notes on the computer where a representative on XXXX XXXX, XXXX who identified themselves as XXXX, noted that they were denying my loan modification because I did not have a payment plan with IRS. I RECORDED THE CONVERSATION and will have it transcribed if I need it for a trial. 
The representative said they would email me the note from their computer but nothing came. When I called that same representative again he said he was told he could not send the note and that he was told that if I wanted the note I would have to subpoena it. That would mean spending thousands retaining a lawyer. 
Please tell Ditech to send in writing that they denied my loan modification because I do not have a payment arrangement with IRS. 
This all stated when XXXX FORCE PLACED INSURANCE ON MY MORTGAGE EVEN THOUGH I have had insurance with XXXX since XX/XX/XXXX without a lapse. I sent them proof of insurance but they only refunded me partial amount of the fee for their forced placed insurance policy which threw off my escrow. I refused to pay the extra amount so they put my payment into suspense and started saying I missed a payment. They then sold my loan to Greentree, which became Ditech. I explained everything to Ditech that had transpired. Ditech asked XXXX to investigate. In XXXX XXXX XXXX admitted they had unnecessarily charged an added forced placed insurance policy and refunded {$1000.00} to Ditech but Ditech refused to waive the fines and fees for all the months they said I was missing a payment. So I asked for a loan modification to get rid of the fines and fees. That is when Ditech refused to give me a loan modification because I do not have a payment arrangement with IRS. Ditech started returning my payment each month and is set to auction my property on XXXX XXXX, XXXX. I inherited this home from my sister, XXXX XXXX, who died in XX/XX/XXXX. 
If you have any questions please call me at ( XXXX ) XXXX. 
Sincere thanks for your help. 
XXXX XXXX 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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made a transfer from my account in XXXX to my Chase checking account in the amount US {$20000.00}. By mistake I typed one wrong number on the receiving account. 
Immediately I notified my bank in XXXX of the mistake, and they in turned immediately contacted Chase to rectify the problem.

In the transfer document my account name was clearly shown, I was under the impression that before consumating the transfer, the receiving bank ( Chase ) would confirm the name and the account match.

In any case I have been in touch with Chase, spoken to several people at various levels and I am told that nothing can be done, that I should try to contact the receiving party, seems like the money was deposited in someone else 's account in California. 

Although I have tracked the person in California and have been unsuccessfully trying to contact them for a while now, I don't feel I should be dealing with this person. 
I feel Chase is not helping rather trying to make the problem go away and not confronting their responsibility in the matter. 
They should have confirmed all information before accepting the transfer, and if something did not match rejected the transfer. 

Kindly advise if there is anything that you can help or if you suggest I seek legal advise. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase, a cryptocurrency exchange company ( www.coinbase.com ). 
I use the account to buy the digital currency Bitcoin. 

On XX/XX/XXXX, my girlfriend deposited XXXX into my Coinbase account, using the XXXX transfer service. 

Unfortunately, since the sending bank account was in my girlfriend 's name and my Coinbase account is in my name, I received an email from Coinbase on XX/XX/XXXX informing me that they are unable to process my request and my transaction had been reversed. I was informed the funds would be returned to the sending bank account within 1-2 business days. 

On XX/XX/XXXX, I followed up with Coinbase support via email because I had still not received the funds. I received an automated reply confirming acknowledgement of this request for support. 

On XX/XX/XXXX I again sent a message to Coinbase support informing them that the funds had still not been returned to my girlfriends bank account. 

On XX/XX/XXXX I received an automated message from Coinbase.

It is now XX/XX/XXXX ( 17 days after my girlfriend transferred XXXX to Coinbase and there is still no sign of the funds being returned and I have had no correspondence from anyone at Coinbase.

Company response to consumer: Closed with explanation