BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: First Data Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas onXX/XX/XXXX( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information.
I see many scam allegations on XXXX on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped.
I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

XXXX Acct XXXX XXXX responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

Capital One Bank NA Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX customer who moved my mobile number over to XXXX. Immediately after moving my number over, I attempted to log on to my XXXX account to cancel it and pay my final bill only to find I had been immediately locked out of the account and got an error message that stated that there was no mobile number on file. I called XXXX in an attempt to ensure the account had been closed and to pay my final bill. I was told by the XXXX representative that I would need to wait until the billing cycle closed and to call back on a particular date, and would then be able to pay the pro-rated bill over the phone. My wife called in after that date and paid the remaining balance in full and was told she'd receive an email confirmation. We never received one. Eight ( 8 ) days later, we received a notice in the mail from a 3rd party collection agency, Convergent Outsourcing , inc . I called XXXX about the notice and they confirmed the account was paid in full and there was no record of having turned it over to Convergent. XXXX stated that even though the account was closed, they weren't able to provide me with a receipt for the phone payment I made, or, any documentation to confirm closure of the account and suggested that I contact Convergent. The next day I called Convergent, and after being given four ( 4 ) different phone numbers to call within that agency with nobody finding a record of the notice they sent me, I finally was able to speak to someone who confirmed that the account was inactive, and there was no dept or balance due. However, they refused to send me judgement or verification of the dept, even though on the notice it states that if I contacted them within 30 days of receipt of the notice, a copy would be mailed to me. I spent 53 minutes on the phone and spoke with 5 different people including a supervisor to get to that point. As a consumer, I find it extremely troubling to be put in a vulnerable position of no written proof of closure, and having to rely on the same people who erroneously generated the dept collection notice to have competently resolved the 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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

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 2020-09-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We requested and received a mortgage forbearance due to the COVID crisis. After we were approved for the forbearance, we contacted PHH Mortgage ( our mortgage finance company ) to discuss repayment options for the forbearance amount. Despite of telling the company that we were unable to make a lump sum payment at the end of the forbearance, PHH has refused to offer any other options such as placing the forbearance amount on the end of the loan or allowing us to pay it back over the remaining mortgage payments ( approx. 180 payments ). Therefore, we are reaching out to CFPB to see what other  options are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of 2019 I found out that I was a victim of identity theft and that someone had been going to school in my name, for years, resulting in several student loans being placed on my credit report. Close to  {$30000.00} in benefits were taken but none of the loans were paid off which has led to them continuing to accrue interest. 

For the past 8 months, I have tried disputing with the creditor, and credit bureaus, to no avail. I have requested that each provide me with the original contract bearing my signature to validate that the debt is mine but they have continually disregarded my request. Month after month they continue to " validate '' that the debt is mine without providing any physical proof. 

I have also sent information stating that I am a victim of identity theft, along with an FTC affidavit, an IRS affidavit, a notification from a credit monitoring service showing that my information had been sold on the dark web, as well as a police report and they have refused to block the information without any explanation of why they chose to do so.

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 2020-05-22
Company: Student Loan Finance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : Reunion Student Loan Finance Corporation XXXX : Student Loan Finance XXXX XXXX XXXX : XXXX XXXX  Reunion Student Loan Finance Corporation Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase Bank has a promotional program called Chase Offers that provides special cash back on purchases made with a Chase credit card at selected merchants. The amounts of cash back vary but are usually between 5 % to 20 %. In XXXX, Chase gave me an offer of 10 % cash back on purchases up to {$70.00} at XXXX XXXX, a supermarket chain. In my county, XXXX XXXX County, California, XXXX 'XXXX  stores are all named XXXX XXXX XXXX. There are no stores actually named " XXXX 's '' anywhere in my county or on the XXXX XXXX XXXX ; they are all named XXXX XXXX XXXX. XXXX 'XXXX  stores have various names depending on the area they are located in, such as XXXX XXXX XXXX, XXXX XXXX, or XXXX 'XXXX, but they are all part of the same company. The company 's single mobile phone app even shows all three names. Therefore, I assumed that the Chase Offer at XXXX 'XXXX  would apply to purchases at XXXX XXXX XXXX, given that there are no actual stores named " XXXX 'XXXX  '' in my area. I made a {$70.00} purchase on my Chase credit card at the XXXX XXXX XXXX supermarket on XX/XX/2019, expecting to receive {$7.00} cash back for the Chase Offer. But Chase denied the cash back, saying the purchase had to be made at an actual XXXX-named store. I asked for an escalation, but they never responded. I feel their promotion was very deceptive, given that they made me an offer that I could not actually fulfill in my area, and that I was tricked into making my purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I WANT TO BE ABLE TO USE XXXX LIKE YOU CAN WITH EVERY OTHER MAJOR BANK IN AMERICA. PNC IS GARBAGE. DEAR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A fraudulent check was deposited into my checking account for over 9k in XXXX. I was told by deposit services that it would be investigated and the check was deposited from PA. I do not know anyone in PA or live there. I was informed that it was not properly investigated. It caused my account to go into a negative balance that was suppose to be disputed in XX/XX/XXXX. The call was disconnected and I never got a call back. I was never informed by USAA that my account was being charged off, I never got a letter from them to my house. On XX/XX/XXXX the VA accidentally sent my VA benefits amount XXXX to the wrong account and I have been I contact with the bank since XX/XX/XXXX and was informed multiple times that I would be receiving my benefit check in 3-5 days every time I spoke with them. I was told Monday XX/XX/XXXX a check was mailed out but they were unable to provide me with a check number or tracking number. I was informed yesterday XX/XX/XXXX it wouldnt be until XX/XX/XXXX until receive my benefit check. I am now late on my rent and I have a XXXX yr old with XXXX XXXX who is also XXXX XXXX and XXXX XXXX. I have been unable to take her to dr appts due to not having the funds for her copays. I have been told that it is being expedited but there is no movement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a former resident and I was advised to move out within 24 hours of receiving the move out notice on XX/XX/2019. I moved out on XX/XX/2019 as requested then received a bill later for charges. The first invoice was incorrect that was sent via email from XXXX XXXX on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice via email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice. The collection notice is dated XX/XX/2019 asking for me to pay them directly and not the apartment complex. The collection agency stated that they will report me to XXXX, XXXX  and XXXX if the balance is not paid in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage provides payoff for loans only through the last day of each month. If you loan closes XXXX XXXX, you are required to pay them interest through XXXX XXXX no matter what. Then, once interest is paid to them through XXXX XXXX, they keep your money another thirty days before sending the refund. In the above scenario they have use of your money for almost 60 days. This must be a lucrative business for them in that they have thousands of consumer 's money to invest for periods of time. In my case, it is {$1600.00}. I can only imagine what they are making on the float of all consumer 's money. This should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My car was vandalized through XXXX XXXX XXXX, the car is completely inoperable and I am in the midst of court proceedings. The vehicle was towed, dragged and dropped repeatedly by them. The gas diesel is ruined and they picked up the vehicle when I was about to go to court. The original price was XXXX not XXXX. 
This one particular XXXX male was probably upset that I picked a XXXX car he sold me the car to ruin my credit. I am only three years into the loan, I have XXXX and I need to have the loan reinstated for some of the amount that I am past due. The price of the car which is now a lemon is over priced. The price of the vehicle is {$720.00} per month. I am only three years into the loan and the reinstatement cost is too high. I was almost XXXX. I was actually XXXX and held at XXXX XXXX. I need a new reinstatement of my loan at a lower price. The vehicle is no longer worth {$30000.00}. It has been damaged and is inoperable, why should I have to pay {$30000.00}.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
My Chase Sapphire Credit Card ( and phone ) were stolen on XX/XX/XXXX at XXXX. I reported it stolen to the police at XXXX on the same day. Starting at XXXX, while I was in the presence of two police officers completing a police report, the thief made over {$7100.00} in fraudulent charges to my Chase credit card an hour away from my location. Chase refuses to remove these charges from my card. 

My attempted contact with Chase : I emailed Chase on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I sent Chase messages through their secure messaging app on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. I did not receive a single response. 
I've called Chase dozen of times starting on XXXX during their business hours. They either didn't answer the phone or I spoke to an operator who could not connect me to the Fraud department. In total, I've received two voicemails, and one call from Chase. During the call, the Chase representative hung up on me and did not call me back.

I sent Chase a copy of my police report by certified mail which they received and I've emailed them my police report twice. I've emailed them the phone number and email address of the Deputy Police Officer investigating my case, but Chase has not called them.

Chase has sent me three letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that the {$7100.00} in fraudulent charges are valid. My Chase credit card bill is due on XX/XX/XXXX, these fraudulent charges are still on my account, and I am not paying them or for the interest that will accrue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened my checking account in XX/XX/XXXX with an opening bonus of XXXX dollars after a XXXX direct deposit. I think I have fulfilled all the requirements but I was denied a bonus. When I applied, the term says explicitly " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I have been a customer in XXXX and closed my account in XXXX which is more than 12 months. But TD Bank still refused to pay out the bonus. I am very unsatisfied with their resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-12-04
Company: EQUIFAX, INC.
State: TX
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:
After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX made a deposit of {$3400.00}. On XX/XX/XXXX made deposit of XXXX. On XX/XX/XXXX after deposit i paid tjree bills that Wells said would be delivered XX/XX/XXXX. On XX/XX/XXXX they sent me an e mail that I had XXXX money in account. I called XXXX XXXX and XXXX XXXX and they did not have payment but Wells took the money out of my account and took money from my savings for overdraft. They have been doing this and charging a {$12.00} fee. I did not realize it. So they are taking my money out of account before creditor receives and then charging me.

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