BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX I Spoke with XXXX XXXX XXXX representative in reference to my account XXXX and the account balance has been resolved to a XXXX balance. 
XXXX I reached out to Amsher Collection Services , Inc. in regards to their attempt to collect on the same debt with their account # XXXX spoke with a representative and advised him that he debt has been resolved with the original creditor, provided the name of the XXXX representative I spoke with and tried to provide contact information for them to confirm the resolution of the debt, he refused and said that he will wait for XXXX to reach out them. 
I ask them to stop sending communication attempting to collect on a debt I did not owe. It is not right for a collection company not to accept proof of debt resolution from the original creditor from the debtor the are attempting to collect the debt from. It should not be a one way street.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Randolph, Boyd, Cherry and Vaughan
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX, after careful review Randolph, Boyd, Cherry & Vaughn Law firm   gave me written notice that it is no longer within the legal confines to collect this debt as per the State of Virginia Statute of Limitations after I objected to their collection attempts on this timebarred debt with XXXX XXXX XXXX. There was a judgment obtained for this debt in the State of New Jersey, XXXX County in XXXX, approximately 10 years later, in XX/XX/XXXX the law firm obtained a judgment in the State of Virginia  XXXX County of XXXX. A XXXX XXXX was delivered to my place of employment dated XX/XX/XXXX although the debt is no longer valid. This debt is over XXXX XXXX XXXX and per the Law in the State of Virginia it is over the Statute of Limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was buying a dog and got scammed. I sent {$750.00} through XXXX on XXXX and then today, XXXX I sent {$1400.00} and {$2000.00} through XXXX. 

They said the dog needed a crate. They said the dog needed insurance. Dont ever pay more.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from XXXX for my business called XXXX XXXX  preferred with a XXXX line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to XXXX   credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but XXXX  is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''

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 2021-01-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a XXXX XXXX  and XXXX one of the XXXX in my XXXX building in XXXX XXXX CA. My day job is professor of XXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. 

In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. 

Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Law firm XXXX XXXX XXXX filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in XX/XX/2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!

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 2020-05-17
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened the beyond checking with TDBank by their online promotion for a bonus reward. In 3 months, when the bonus supposed to be redeemed, TDBank looking for excuses to reject the bonus. It has been months I have talked to them. They first responded as I need to wait longer in terms some products is 140 days ( which was 90 in the case of their advertising ). Then they told me I am not qualified in terms the account was opened in branch. After I clearly responded that I was directed by their online rep to open in-store and the store manager inputed all the requests ( which according to the store manager was approved by the marketing dept ), they trying to confuse me by telling me that according to their system the only promotion fits in-store opener did not qualified in my case. In a word, TDBank is using all means to rejecting the bonus I should get and avoid talking about the fact that I was directed by their XXXX rep to open in-store after I submit my online application that reads " Please call our customer service to further assist you ''. ( Please ask for the records since when I called-in their system prompted with recording services with the number XXXX ). Now when I trying to reach them via secured message center, they simply responded not working during cov19 please visit in-store location. I have tried to solve the problem by calling, in-store visit back and forth since XXXX this year. It has not only been extremely frustrating but also monopoly and abusing. I am senior that trying to making a living with my limited retirement. I have worked in my youth and never expected a National wide banking system would be such disgraceful since I believe everything should have been straightforward and business should be based on honest. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PNC Bank - Refinance property located at XXXX XXXX XXXX XXXX, XXXX  PA, XXXX County, PA., The existing mortgage was a PNC loan. PNC gave me 6 different refinance loan estimates. Most of these preliminary loan documents had errors including errors in my name, my initials, my aliases, my address, my work history. The loan was a NON escrow loan. The original closing estimate of XX/XX/2021 was {$6000.00} including {$1500.00} in closing points. 

On XX/XX/2021 I closed this non escrowed refinance and PNC charged me {$7900.00} in closing costs. That amount included {$2500.00} in property taxes. They also charged me {$84.00}, for home owners insurance even though I have paid my own insurance.

1 ) This was a non-escrowed loan so I asked why they were charging me {$2500.00} for school tax. I was told that was just what they do. They pay any unpaid taxes at time of closing.

2 ) The amount {$250000.00} was not the full amount of taxes owed. The total amount of taxes is {$3900.00}. I informed them of that.

3 ) I was told that I could not change the amount they were charging for school tax because it would take too much time and the loan guarantee was about to expire. They said they would pay {$2500.00} and I would have to write a check to the school district for the balance. I had to call the school district to make special arrangements for this.

4 ) PNC did not pay the taxes as of yet. As far as I know they have not paid the {$84.00} to my insurance company either. The School tax penalty kicks in after XX/XX/XXXX. 

5 ) I called PNC customer service on XX/XX/XXXX at @ XXXX. I was told that the account was not escrowed and so PNC wasn't responsible for the taxes. The person on the line did not have access to my loan closing documents. I asked to speak to someone else. I was put on hold and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX, Experian and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to 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
Consumer complaint received 2017-12-21
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX XXXX, my wife received a letter in the mail from Citibank. The letter was addressed to my wife 's " estate '' and referred to her as " the decedent. '' The letter included a check for {$7.00} as " a refund ... for certain fees previously billed to the decedent 's account for a debt protection program. '' My wife is not deceased. She is in very good health. Moreover, my wife does not have, nor has she ever had, a credit card or any other account with Citibank. My mother, with whom my wife and I share a mailing address, does have a Citibank card. I have a card in my own name on the same account as my mother. However, the account number stated on the letter does not match the number of the account I share with my mother.

My wife and I are concerned that one of three possibilities may be true : Either that ( 1 ) this letter may be part of an illegal effort by a third party to defraud my wife, or that ( 2 ) this letter may be  evidence of identity theft wherein another party has opened a Citibank account in my wife 's name, or that ( 3 ) this letter may be evidence of illegal activity on the part of Citibank wherein Citibank has opened an account in my wife 's name without her knowledge. 

My wife has asked me to help her by contacting appropriate government authorities on her behalf. I consider myself to be a party to this incident because any financial liability incurred by my wife affects our family as a whole.

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 2021-01-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i filled a complaint that is recently new the number is XXXX this debt was not mine as you read the letter this is way pass statue of limitation beside that the debt was sold off back in XXXX that was closed!!! 
the number is XXXX COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXX Incorrect information on your report AMERICAN EXPRESS XX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Company responded Closed with non-monetary relief

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
According to my latest credit report from TransUnion after their investigation completed, it still didn't fix the corrected data in my report. I submited a dispute to TransUnion on XX/XX/XXXX because one of my installment account ( XXXX account # XXXX ) had the wrong payment history rating. According to my credit report on XX/XX/XXXX, It showed that I had over 120 days late for this account. After their investigation my lastest credit report shows that I have 30 days late for this account. The fact is I never late for the payment from this account at all. I attach 3 different credit report to support my complaint. 
1. Credit Report on XX/XX/XXXX 2. Credit Report on XX/XX/XXXX 3. Credit Report on XX/XX/XXXX And also, The result report that XXXX company respond to my complaint from Consumer Financial Protection Bureau . 
It looks like every time I dispute the error on my credit report, it always show the mistake that the company make.

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 2022-12-15
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}

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 2021-08-10
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/ 2021 and still no response I need this DELETED ASAP.

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 2020-05-20
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for a credit card through XXXX, serviced by USBank. I was  approved for the credit card, but it never came in the mail. Then I got a bill for charges made with the card. I filed a fraud claim for all charges on the card, considering I could not have made any purchases with the card because it never came. The initial claim was on XX/XX/2020. I was assured the charges would be removed from my account, and I also closed the account. Starting in XXXX, I have received weekly emails about past due bills on the card. I have called USBank weekly trying to get them to remove the charges. The charges still have not been removed despite my weekly calling USBank and them assuring me it would be taken care of. The amount I am being held responsible for is {$44.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE ACCOUNT )

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