BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Good afternoon, my name is XXXX XXXX. I have read there is a debt settlement against Wells Fargo for any auto that was repossessed between XXXX and XXXX. My vehicle was repossessed on XX/XX/XXXX. I also read I may be due a refund for full gap coverage that was paid and not refunded to me along with illegal fees added. My acct number with wells Fargo was XXXX. The rep I spoke to today ( XXXX XXXX told me he was not aware of what monies I may be due with the settlement that is currently going on. What I read, I may be due a refund of up to {$4000.00}, but not limited to that amount. My address at the time of the repossession was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La. XXXX. Can someone please contact me at XXXX once Wells Fargo has been contacted to discuss monies, I may be due. 
Thanks, XXXX XXXX. 
XXXX 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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX  Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLINANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed 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 non-monetary relief
Consumer complaint received 2016-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian did not conduct a proper investigation after I submitted document. I submitted a letter from XXXX where they admit they do not have records on my account. Despite this, Experian took the word of XXXX that their tradeline is correct. XXXX can not make this statement knowing they do not possess the proper records. This tradeline can not be validated and must be removed.

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 2015-06-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Issue # 1- JP Morgan Chase Bank filed a claims without my authorization, although on phone call, I clearly and repeatedly stated that I did not want a claim filed. This cause my XXXX bill to go unpaid and my account to be in suspension. When asked to send a letter to the merchant to exhort me and state that it was a bank error, they categorically declined my request by saying it is not bank protocol to send out letters to merchant of any sorts. 

Issue # 2- Same Chase Bank erroneously sent my water bill payment to my address. I called them to notify them of the error and they could not pinpoint how such error came about and suggested to put a stop payment on the check although the check was in my possession. I informed the representative with whom I was on the phone that I would report to the bank in the morning to return the check and get the funds back on my account. Upon my arrival, the director informed me that no such thing could be done because of the stop payment placed on the check. I had to wait 5 days for the process to take place before funds can reflect back on my account. Again, their action placed my water payment in delinquency status. Chase Bank, again failed to take action for their wrong doing and refused to honor me with a letter explaining the error committed by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
Company: CARD Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I had recently had a direct deposit to my account, They immediately held the funds It was my unemployment benefits. 
I have faxed And emailed all documents they have asked for, and they have yet to release the funds. 
They are giving me the run around. 
This has been going on for 2 weeks. 
Every time, I send the papers, and call them, they tell me to send another document. Just keep adding on, I have sent them the most personal and confidential and financial documents.ID, social, W2, check stub, explanation of funds, phone bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 I paid my rent of {$1700.00} four days later I was evicted four days later and had to leave in 24 hours. They kept my rent of {$1700.00} and my deposit of {$3500.00}. 
They then sent me to collections with an itemized bill of expenses that are not true. They double charged for cleaning. They charged me {$1100.00} for cleaning carpets. There are no carpets in the unit. I stayed there for over two and half years and was charged for items that should be normal for someone who lived in the same place for so long. 
I should not owe any money after they kept over {$5000.00}. 
Please look at the attached list and you will see these false charges. 
I was charged for cleaning three times and if we include carpet that doesn't exist it would be four times I was charged for cleaning. Please help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2016-02-26
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls for years from debt collectors looking for XXXX XXXX, XXXX XXXX, or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup, but this time I was given a number and informed that the company name was Credence Resource Management. My current number was originally unlisted and I listed it again over a year ago in the false hope that these calls would stop. I did state to the individul who called that if they would google the number they would see my name and not the : XXXX '' and that I would be filing 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: Synovus Bank
State: LA
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:
I noticed a purchase on my transactions that I did not make. I am in Louisiana and it says Arizona. I have tried to report this to the credit card company. I called the number on the back of the card ( the number can not be found online ) and it is and endless loop of a recorded message, a brief hold, and the phone ringing. I went online to get help. I clicked the link to consumer center and it logs me out. I have also tried to pay my bill online and it takes me to a screen that says I must use my banks bill pay feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified by General revenue of a debt allegedly owed by myself to XXXX XXXX University. The debt is allegedly derived from a period where I was not a student at the school and was not enrolled in the school. I was never contacted by XXXX XXXX University regarding this alleged debt and was never offered the opportunity to dispute this debt directly with the school. I am currently enrolled in school and all of my student loans are in deferment status with the United States Department of Education. I explained to General Revenue in two separate correspondence letters that I was unaware of this debt and its origins. I received the most recent correspondence from General Revenue On or about XX/XX/XXXX and the letter stated that the account would be reported to the credit bureau if I failed to pay the debt or make payment arrangements. The validation provided by General Revenue was a form void of any signatures or any identifying markings from me. I am still unaware of the origin of this debt and. The form allegedly validating this debt was allegedly for the summer of XXXX. I am completely oblivious of this alleged debt and was first contacted about this alleged debt by General Revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: The CMI Group, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a telephone bill listed with the credit agency 's that is more than 6 yrs. old. However the company ( Credit Management , L.P. ) listed the bill as being from XXXX. I contacted them through email and requested a statement so I could pay the bill. I received a 50 % OFF DISCOUNT OFFER. I chose to accept the offer of {$120.00} and mailed payment on XXXX/XXXX/XXXX. The original account was {$240.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX ). To date the XXXX credit agency 's have not removed the negative information. Credit Management gave me a Reference # XXXX which I listed in addition to the above number on the XXXX XXXX XXXX XXXX. The reason I am now writing is because all the other bills I paid that day have applied to my previous balances, credit card, XXXX XXXX, etc. etc. BUT I do not see the credit company 's reflecting payment and a closed account. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
Mortgage was in a COVID related forbearance plan XXXX. Prior to COVID and entering the forbearance, the mortgage was current. In XXXX of 2021 the mortgager was contacted and ACCOMODATIONS to bring the loan current were made and completed. A company appointed Loss Mitigation Specialist advised me on XX/XX/2021 not to make a payment that the modification accommodations would begin in XXXX. Three auto draft payments were scheduled and made as agreed upon. According to the CARES Act a loan that was current prior to COVID where mortgage/ payment accomodations were made to bring the loan current within 120 days of the end of the Covid National Emergency , should be reported as current. The COVID national emergency ended XX/XX/2021. The mortgage company reported the loan late which resulted in a drop of over XXXX points to my credit score. I had never had a delinquent payment in the history of the loan prior to XXXX. Requests were made multiple times to remove the negative reporting from my report but the mortgage company refuses. 

During the forbearance and during resolution exiting forbearance, I remained in contact with my loan servicer. I complied with every request made to resolve all issues regarding XXXX related forbearance. As a customer who remained in good standing pre COVID and post forbearance, I requested negative comments be removed from my credit. The company refused despite several disputes and escalations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: TN
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:
CREDIT WAS APPLIED FOR IN MY NAME THAT WAS NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first asked the cred itor Jefferson Capital Systems to verify the  debt, they are collecting on behalf of  XXXX . I asked them to provide me with a billing statement to verify all charges from  XXXX , my account number from  XXXX  and the types of services I had. They failed to do this. I disputed this on my credit report as inaccurate info. The Credit Bureau responded and said that the information was accurate. I no longer disputed it and stated that it 's not under dispute anymore ; however, the collection agency sent me an actual copy on my credit report and I noticed that the information they have reported still is n't accurate and does n't make sense. They said the collection account was opened  XXXX . They are reporting that the date of first delinquency was  XXXX  which is incorrect because I still had services with  XXXX  in  XXXX  of   XXXX   and the account was active and open and not delinquent. They also reported that the date the first major delinquency was report was  XXXX , so if this is the case then how was the collection account opened before the first major delinquency was even reported. The dates are conflicting and it makes no sense and I requested the Credit Bureaus remove this inaccurate conflicting info but they still have refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Despite receiving my payment on the due date. The Credit issuing agency keeps charging me a late fee because it takes them several days to process the payment from the date of receipt of payment. I should not be penalized because it takes them several days to process a payment.

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 2020-06-18
Company: U.S. BANCORP
State: FL
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:
On XX/XX/XXXX XXXX MasterCard issued a provisional credit for a disputed charge of {$190.00} on XX/XX/XXXX. On XX/XX/XXXX XXXX MasterCard reversed the {$190.00} disputed charge because the merchant stated I made a reservation by phone. I provided them a letter explaining this was completely false. We drove up to this merchant 's property, inquired on room availability, was shown a room by XXXX ( General Manager ) and agreed to stay for XX/XX/XXXX and XXXX at {$190.00} per night. On XX/XX/XXXX at XXXX XXXX we checked out and paid {$380.00}. If I had booked a room over the phone I would have received a " CARD NOT PRESENT ALERT '' on my phone, my wife 's phone, and an email none of which happened because there was no PHONE reservation. I have an email showing I contacted XXXX the day I noticed the charge on my statement and she assured me she would issue a refund. I called XXXX MasterCard and disputed the charge. When I received the letter reversing the provisional credit I attempted to contact XXXX and a man named XXXX answered the phone and advised me they were closed due to COVID 19. I called XXXX Mastercard dispute number XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I sent them a rebuttal letter on XX/XX/XXXX. I faxed a copy of my original receipt on XX/XX/XXXX and still no resolution. Now XXXX Mastercard has implemented a COVID-19 procedure and you have to leave a call back number and expect a return call. No return calls received. I discovered searching the online reviews on this merchant I am not the only one to experience the thievery of this merchant. MasterCard informs me that by not paying this amount and accrued interest will ruined my credit and eventually they will turn me over to a collection agency. Please help 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 monetary relief
Consumer complaint received 2019-12-27
Company: AmerAssist A/R Solutions, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mother was admitted to XXXX XXXX XXXX XXXX  on or around XX/XX/19 my aunt XXXX XXXX XXXX was present during admitting ( they were supposed to be deducting the monies for the stay from my mothers account ) The bank account was magically closed after her death so we have no proof if this debt was paid. The company is currently going after my aunt stating she is the responsible party ( she DID NOT sign up for this ). I have contacted the company several times telling them I am her son and beneficiary ( they don't respond or answer the phone ) yet continue to harass my aunt. I don't believe this debt is owed. I think this XXXX XXXX is a scam and frankly it should be shut down.

Company response to consumer: Closed with explanation