BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-13
Company: Commonwealth Financial Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello. 

I went on XXXX XXXX and saw that a new collector has taken over my debt. I've sent two emails and called a few times and haven't been able to get ahold of them. I've looked up info on them and everyone seems to think they are fraud. 

I don't see how this company could be fraud if they show up on XXXX XXXX though, right? 

Look, I just desperately want to pay this XXXX debt but I don't to pay some scammers. The company is called Commonwealth Financial Systems. How do I figure out if they are legit? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2018-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Friday XX/XX/XXXX I received notice by mail from Chase Bank saying that if I open a new checking account with direct deposit I was going to get {$200.00}. And since the company that I work for issue payroll Chase Bank check I went and opened a new checking account, I deposited {$100.00} on it. 

On TuesdayXX/XX/XXXX I deposited a check from XXXX  of {$1600.00} a loan that I got because I had an emergency. I could only get {$200.00} out it. 
Because they said the found will be the next day. 
The next day I went into the bank to get some money out {$1500.00} on the balance that I had. And my surprise was that they told me, that my account was closed, they also told me that they were going to send by mail check of {$1400.00} that I have not received yet. 

I been going since them to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CA XXXX any luck to get my money reimburse. Until I finally were able to speak with XXXX XXXX XXXX ( Personal Banker Officer ) Who helped me to open the checking account and made a formal complaint on XX/XX/XXXX. 

Today XX/XX/XXXX I still waiting for my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
called company tried to find out what this was and company did not have any of my information not my ss #, date of birth or anything tried to tell them that it wasn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: General Motors Financial Company, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2018 I test drove a truck. I asked the salesman how much it will cost he said fill this information out. I said I dont want a hard credit check and he said we only do soft checks in the beginning. Here it turns out he lied to me and did a hard check!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan for a XXXX XXXX in XXXX. I am unsure of the exact date I paid off the loan, the loan was through Gateway one lending. 

Gateway one informed me that they sent a statement that the loan was paid in full, so that I could obtain the title. I never received this statement. I asked for it a second time, in XXXX. I never received it. Then after I moved to oregon, I asked them to send another copy of this as they clearly weren't sending the proof that my loan was paid in full. I asked them to send it by certified mail, they did not. My change of address form was fully filled out, and all of my other mail has successfully been delivered at my new address, with the exception of information from this one specific lender. 

Then Gateway one was purchased by another bank, Santander. I do not have an account with Santander, I am unable to open an account with Santander, and despite attempting to contact them by phone, I am unable to reach a single human to speak with for the past 2 days. 

When you navigate their phone service at Santander, it is literally impossible to find the correct combination of options to speak with an actual human body. I highly suggest your organization attempt to navigate their phone tree, this will be highly educational : Their title line is XXXX and their main line is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
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:
Last XX/XX/2020 Chase credit card put a hard inquiry in my XXXX and XXXX  file. I dont recognize this hard inquiry. I been trying to contact Chase to remove this hard inquiry from my XXXX  and XXXX file but the company dont give an answer about it. I ready call to XXXX  and they told i need to fi directly with the Issuer bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: BARCLAYS BANK DELAWARE
State: AK
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:
Received a letter dated XXXX of XX/XX/2020, from Barclays of XXXX, Delaware XXXX, that they had inquired about my credit score. I do not recognize this company. I did not authorize them to look up my credit nor did I inquire about any kind of card or services of theirs. Attempts to contact their complant department using a phone number on their website ( XXXX ) do not result in contact with any human being, and they provide no other number in which a human seems to answer. That is my extent of an inquiry with them as it made it nowhere. I would like to find out who authorized a credit search, copy 's of all documentation related to this, as well as an explanation as to why they can search my credit without my consent. Application # 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 2018-06-21
Company: Consumer Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Representative of firm called Consumer Recovery Solutions, name of rep XXXX XXXX, phone number XXXX, called to attempt to collect on an overdrawn checking account from XXXXXXXX XXXX, overdrawn in 2010. Original overdrawn amount was {$130.00}. Was attempting to collect {$700.00}, and threatened that their firm has attempted a court summons recently, though he could not say when. We have received no mail, or any other notification, of the overdraft or the attempt to collect. He referenced a case number, XXXX. We initially agreed to pay, but moments later, changed our mind. Our bank told us that to fully cancel the transaction before it took place, we would need to close the debit card fully that we provided to them. This is a damage to us, and we will be without the debit card. We have suffered significant emotional stress due to this call, and this entire ordeal. When I attempted to contact this firm, I did speak with the rep, XXXX XXXX, and told him we wanted some paper form of the original debt and who it was owed to, and told us we would not be provided that information, then abruptly hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-03
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA Loan was purchased by XXXX in XX/XX/XXXX. They are in the process of selling the loan to New Rez and the transfer will occur on XX/XX/XXXX. My home is in escrow and will fund on XX/XX/XXXX but New Rez stated that they can not accept the payoff until XX/XX/XXXX which will accrue an extra {$700.00} plus in interest and delay the close of escrow. I've been on the phone with New Rez for over an hour with no resolution. 

The New Rez account # is XXXX The XXXX account # is XXXX My name is XXXX XXXX XXXX Property address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX My phone # XXXX My e-mail is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Navient Solutions, LLC.
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:
I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX 2 ) NAVIENT 3 ) XXXX XXXX   This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the  consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney  General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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: Account information incorrect

Complaint:
I requested a hardship program because I was out of work due to medical issues and had falling behind by two payments. that went from XXXX per month to XXXX so XXXX stated that my payments would be lowered to XXXX per month for 12 months. to give me the opportunity to catch up. I was told as long as I make timely payments that I wouldn't be removed from the program. so I asked if they could do automatic payments they stated yes. so we set them up. I recieved paperwork in the mail in which I still have, and since the original call XXXX has been reporting to the credit bureau as me being delinquent. and I feel as thou this is unfair to not only me but to any consumer.

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 2018-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery calls all the time I have no debt other than a student loan which is taken care of via XXXX. They called on XXXX XXXX never leave a message and I am ill as is my mother these calls are disruptive and they threaten legal action that day if you dot call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX  WY XXXX XXXX, WA XXXX XXXX is one of the agents I spoke to at iq data. I  was informed that I would owe a certain amount of money for my debt collection, however I noticed a different amount of money was collected out of my account without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XX/XX/XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports

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 2020-07-02
Company: Experian Information Solutions Inc.
State: MO
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:
Sent a complaint to Experian on the XX/XX/2020 explaining and giving specific details about the inaccurate information on my report! There response was if I gave full ssn number they will investigate the matter! Which I gave in the first complaint!

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 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good Morning, My name is XXXX XXXX and I have been a customer of Bank Of America for over 20 years. Recently I called them to report fraud that had occurred on my account. They immediately told me they were going to freeze my account, have their fraud department investigate, and told me I needed to visit a local branch to open a new account and have my money transferred over. I followed all their steps and waited 2 weeks to get a response back from them regarding my fraud case. When I called to inquire about it they kept telling me to go to my local branch because they were having issues. I visited the branch at least 3 times during my workday and got the run around multiple times. After 2 weeks I got a phone call while I was at work from the Bank Of America fraud department that my claim was being denied because there was no fraud and that they would send me more information about the investigation. Not once in 2 weeks did they attempt to call me to get additional information about my account and what actually happened. They decided to close my case without gathering all the information and when I tried to call them they hung up on my at least 3 times. I asked for supervisors multiple times and yet they refused to connect me. Then they told me they would call me back with answers with 48 hours and they never did that. I decided to visit the local branch again and see if they could help. They called the fraud department and told them the same information about how they were going to call me back and get the investigator on the phone. That never happened. All these calls are recorded and I had to talk to at least 20 different people and explain the situation over and over again. On top of that my money was being held up by Bank Of America and fees were being assessed because they had locked my account. Also someone from the internal bank had changed my account user id and password without my consent. And each time I inquired about that no one at the bank could answer my question on who did it. This situation had been a total nightmare all while my money is still at the bank and I have no answers on how the fraud happened. They have treated me like XXXX, lied multiple times, and refused service. This is unacceptable and I had no choice but to file a complaint and escalate this. I'm hoping you guys can force them to do their job and stop giving me the run around. They messed up this entire situation and my account. I will not let this go!

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 2018-05-14
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently noticed that my XXXX score was impacted due to Southwest credit systems LP reporting inaccurate information on behalf of XXXX, i currently have only one account with XXXX service and do not recall owing XXXX, i will like full validation including billing statements and signed contract. Southwest credit systems has been reporting that i owe {$58.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Only reported to Experian, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by Experian this XXXX. This would only occur upon applying for any XXXX related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XX/XX/XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.

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 2018-04-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an " IMPORTANT PRIVACY CHOICES '' from you, " ally '', sent to my address using my name. You are not affiliated with anybody with whom I do business.

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 2018-03-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

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 2021-04-24
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account showed up on credit report with no prior knowledge of account or actual item trying to be collected against. The collector then tried passing the debt along to husband representing as his as well with no written notice of debt.

Company response to consumer: Closed with non-monetary relief