BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I would like to introduce myself as a citizen of Louisiana and contribute to the economy for many years. My Name is XXXX XXXX XXXX XXXX. I 've XXXX sons that resides in the state of Lousisiana, which are XXXX XXXX XXXX and XXXX XXXX. <P/>I was employed with XXXX XXXX XXXX for 29 1/2 years and a Federal Agency for 2 years. <P/>Both of my sons were employed as XXXX for the State of  Louisiana. <P/>However, after I resigned from a federal agency our credit was destroyed due to discrimination and harassment. <P/>Also, my family experienced several hate crimes in the State of  Louisiana. <P/>In addition, my bank accounts were seized and garnished. The banks are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. <P/>Today, I am contacting your office to assist with predatory loans with Chase Mortgage Company. <P/>Also, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX for damages to credit and property. <P/>In addition, overpayment for insurance premiums to XXXX/XXXX of Louisiana. <P/>I was assigned to the XXXX XXXX XXXX XXXX as a XXXX XXXX for 2 years. After reporting XXXX  harassment and malfeasance by co-workers the following issues occurred in calendar years XXXX, XXXX, XXXX, and XXXX. 1. Delayed and Loss of Medical Benefits and Annunity payments. 2. Damages to Real Estate and Rental Property : XXXX XXXX XXXX, XXXX XXXX, Louisiana and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX 3. Foreclosure of Property due to predatory loans. ( XXXX XXXX, XXXX represented Chase Mortgage Company ) 4. Loss of Wages 5. Life Threaten 6. Attacked by XXXX XXXX Police Department Please be advised I contat XXXX XXXX, XXXX XXXX for assistance via mail and XXXX XXXX never respond to my inquiry. <P/>Verification of theft and harassment were reported to the XXXX XXXX Sheriff Office and the XXXX XXXX Police Department. <P/>Files ( ROI reference file # XXXX ) and OPM CSA XXXX ) to investigate this matter. <P/>I reported identity theft during XXXX XXXX. For several months I attempted to work with the credit bureau to resolve this issue. <P/>Would your office assist XXXX XXXX to investigate these issues? Also, is there a form I need to complete for assistance with these issues? <P/>My mailing address is XXXX XXXX XXXX, XXXX, Louisiana and XXXX. Please reply with a answer. Thanks for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I made a special trip to XXXX XXXX XXXX because there was an issue with my money being direct deposited from my retirement account namely XXXX and a check was issued. I immediately deposited the check into Bank Of America through the ATM because there was at least a two hour wait to see a bank teller and absolutely no air or air conditioner in there XXXX XXXX Branch located in the XXXX. The check was a city issued check and was not an out of state check. To my surprise, the check is not going to clear until XX/XX/XXXX however they released half of the funds. I am being told that the check is out of state by a XXXX XXXX who is a supervisor for the Bank of America customer service located in Georgia. He reiterated that there is nothing that can be done about releasing the funds and no one can release the funds. I am caring for my XXXX year old mother and XXXX sister and that this is just not going to suffice. It is unethical and I believe illegal for them to hold my money hostage and I would like to file a 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 2021-04-15
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have tried to contact the original creditor but I'm not recieving any responses. The company is in negligence for not responding and is in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a credit monitoring alert from transition stating that I have a new collection from said company Midwest Recovery! I have never done business with this company or its client. I have never recieved notice about this account by mail. This company has never contacted me about this debt and I take no responsibility of such collection. By law this company was supposed to provide notification of debt and give time for me to dispute and ask for verification of this debt before placing on my credit file, especially because I am a victim of identify theft. I am afraid that this company has violated my personal rights by requesting my medical records from a facility with out permission. I take no responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This file has been going on for a year. The seller has cooperated with XXXX XXXX  who advised me that they had approved the short sale while in the meantime they were working on selling the loan to Rushmore Loan Management show is now managing the loan for XXXX. The seller had a veteran in the home that was at 80 % XXXX and since then has become 100 % XXXX. Rushmore has come up with a value via a bogus BPO that is over {$300000.00} the appraised value. Has proceeded in setting a foreclosure dale date WITHOUT even notifying the seller that there is a date, nor by posting the date as notice to the seller or by denying a foreclosure date every time I call in to speak with a negotiator. Rushmore simply refuses to work on a short sale for this client. Forcing a foreclosure with a veteran in the home, causing further stress to the owners even though the sellers have done everything needed to comply with Rushmore 's and XXXX 's requirements for a short sale. This listing was live on XXXX/XXXX/XXXX and has been sold and transferred so no company takes responsibility for a foreclosure with a veteran and now Rushmore is trying to foreclose without notice? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Credit Consulting Services, Inc.
State: CA
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:
On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account number XXXX. More than 30 days have passed, and this company still has not sent me any validation document. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of this item. This is my last resort and I am not going to hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: UBS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been paying a closed account down with UBS bank. Even though I have made a payment every month, UBS has retained a law firm that is continually harassing me and is not abiding by the cardholder agreement. I would like UBS to CEASE and DESIST from this harassing activity immediately. And be appropriately sanctioned by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am not even sure where to report this and ask advise on this matter. I deferred mortgage for a year due to covid 19. As much as I know, it will be deferred to the end of payment including principles and interests. I resumed my payment exactly year later. When I get 1098 for 2021, it shows that my lender is charging deferred interest due to Covid 19 from the payments I made in the year of 2021. I called to my mortgage professional assigned to my account saying that I need to call bank for more information. I XXXX  again for the information aboout deferred payment relating to Covid19 and found the following from the following link. 

XXXX XXXX XXXXXXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, been % XXXX % XXXX % XXXX % XXXX. 

It does not require a trial period plan as required for a loan modification, which requires several months of payments prior to modifying your loan It keeps the principal and interest portion of your mortgage payment the same as it was prior to your COVID-19-related hardship. Note : Adjustments to the escrow portion of your monthly payment for taxes and insurance may affect your total monthly payment. 
You will not be charged interest on the missed payments that have been deferred. 

From the beginning, my understanding is my lender is not supposed to assess any portion of interest relating to this deferred payment except the fact that it will be added into the end of my original mortgage expire date. 
Please advise me. 
Thank you. 

XXXX 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 2019-06-24
Company: EQUIFAX, INC.
State: CA
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 accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XX/XX/XXXX changed the dates the accounts were first reported, while Equifax and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX and TransUnion have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Incomm Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a XXXX gift card for {$100.00} from XXXX as a XXXX gift for a friend. My friend lost the gift card. Since I have the activation receipt, I thought that it would be simple matter to get a replacement card or for them to provide me with the card number and pin. I contacted XXXX customer support and they started a case. They eventually sent me a pin, which they claim they got from InComm, but it is not usable on XXXX 's website, and I was not given a card number. On XXXX 's website, they require a 16 digit card number and an 8 digit pin. XXXX sent me a 13 character " pin '' consisting of 3 letters followed by 10 numbers. XXXX 's website does not accept characters in the pin field. I have also tried to contact InComm through their customer support request page over a month ago, but have never received a response, not even an email confirmation. I have the activation receipt, bank statement. I need assistance in getting the card information, so that my friend can use the gift that I purchased for her. Gift cards need to be better regulated. As it stands now, the gift card companies are getting away with taking people 's money, which is essentially stealing. I have proof that I purchased the gift card, but I can't get any help from anyone. This is totally not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector is trying to collect an amount that is not owed. I never agreed to this amount. I attempted to come to a agreement with them and they did not agree. I sent them a notice to delete from report because the amount is hurting me. Please delete this false number from my report. It is hindering me from moving forward in life. I cant get a home for myself and kids because I'm not trusted due to a false number that a credit card company is trying to collect. My credit limit was {$300.00} and their reporting {$680.00}. Their punishing me for basically having issues with with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not the owner of ( ORIG CREDITOR : 01 XXXX  XXXX XXXX XXXX ) I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act -Child Support XXXX. XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States a Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, I applied for a SEARS MasterCard while making a purchase at the SEARS in XXXX XXXX in XXXX XXXX, MI. I was accepted and given a credit line of {$6000.00}. I have not received the card. I called Citibank nearly twenty times on XX/XX/XXXX. I was told that I should have received my credit card a while ago. I was told that my address was not the address on the account, and that my phone number was not the one on record so they could not verify that it was me calling. Even though they stated that my phone number and address did not match their records, they left a message on my answering machine using the phone number that they claimed was invalid questioning recent activity on the credit card. I was told that they would send paperwork to my address according to public record immediately. I have not received anything. I was offered twenty off my purchase at Sears by applying for this credit card, it would have been worth the extra twenty to have avoided the stress this is causing 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 2017-11-09
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citi Bank is contacting my relatives and friends and advising they are calling to collect a credit card debt I owe. They keep on calling them on a daily basis, after repeatedly told not to call them. 
Not sure, how they got the numbers of these relatives, because it was never given to them, when I opened the credit card account with them. Nor are the relatives and friends guarantors for the credit 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
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: A-L FINANCIAL CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A-L Financial Corp keep re-aging the Charged Off date as well as change my positive payment history, in which, is illegal. I received a Charged Off XX/XX/XXXX with the explanation that Consumer ( I ) is not able to be located ( I still live in the same location and A-L Financial Corp was aware of this ). I contacted A-L Financial Corp to informed them of their inaccuracies and to go to court if needed. I also contacted XXXX Bureau to correct the inaccuracies. The account is closed but I received another Charged Off from A-L Financial Corp in XXXX for the same closed account. I had two charged off for the same account. A-L Financial served me to go to court. I went to each court appearance to correct all matters so I can pay the remaining balance on the closed account as well as A-L Financial Corp needed to remove the double Charged Off from my closed account and correct the inaccuracies. 

Although my A-L Financial Corp account been closed with the original Charged Off date of XX/XX/XXXX, I paid my closed account in full. I received a stamped certificate from the court that the XX/XX/XXXX XXXX XXXX closed account is paid in full as well as my title for my vehicle. Yet, A-L Financial reported to the XXXX Bureau to place a Charged Off on my credit report on XX/XX/XXXX and deleted the XX/XX/XXXX original Charged Off. 

Preventing a debt from disappearing is illegal and result in a defamation of character. Re-aging a debt for this reason is a FCRA violation. Violations of this provision may result in civil penalties of {$2500.00} per violation. 

I still keep my credit reports. The terminology of the credit reports shows abbreviation for Charged off is ( CO ) and Collections ( C ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 Services purchased an account from XXXX XXXX  in the amount of {$590.00} but does not have any documents showing a balance of {$590.00} was even owed. There is not one document that Portfolio Recovery Services has provided in the past few months that has that amount listed accept for the debt purchase letter they have provided. 

Portfolio Recovery has continued report to the credit bureau {$570.00} but they did not purchase a debt for this amount. The debt purchase validation letter states the debt amount was {$590.00}. 

Portfolio has sent multiple documents with the amounts owed of {$590.00} and in the amount of {$570.00} these are two different debt amounts After I began disputing the account Portfolio Recovery Adjusted the amount on my credit report from {$590.00} to {$570.00} after I disputed the validity of this account and the documents.

Company response to consumer: Closed with explanation