BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: DISCOVER BANK
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:
I am writing to complain about Discover Card and that company 's persistent attempt to report derogatory information to XXXX  and XXXX. The account in question ends in XXXX. This account was opened in XX/XX/2014. The credit limit on the account was {$4000.00}. Immediately upon receipt of the Discover Card, the identity thieves ran {$3900.00} debt. On XX/XX/2014 an {$80.00} payment was made. There was never any other payment on the account. There were 3 other minor charges made on the Discover Card. There were no other charges or payments made thereafter. 

Discover Cards own records indicate that the account was opened in XX/XX/2014 and closed XX/XX/2014. The entire lifespan of the account was less than 60 days. It is patently obvious that the identity thieves used the account for a very brief time before it was discarded. 

This is indicative of an identity thief using the card for in a rapid fashion before discarding same lest they be caught. The identity thieves appear to have utilized this for their own personal gain. The end result was that my information was compromised thereby resulting in these derogatory remarks in the XXXX  and XXXX  report. 

Further, this address associated with this account is XXXX XXXX XXXX XXXX California XXXX. This address does not belong to me. I have never had any relationship with the XXXX XXXX address. I am attaching my driver 's license demonstrating that my address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I gave XXXX XXXX my dental insurance information. My insurance covered XXXX and advised that with all my discounts it would be XXXX so I made a pymt iao XXXX dollars and now they are billing my for XXXX and i submitted everything to my insurance and also im no longer with the job so i don't have all the info anymore But this was supposed to be taken care of and zeroed out as of last year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The predatory lender, XXXX XXXX, extend me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I owe anything to levy, garnish or seize. They are now continuing their predatory assault against me by selling this debt to Portfolio Recovery Associates and having them report this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2015-07-13
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
We are moving to NJ and buying a house. Original closing date was XXXX/XXXX/2015. We applied for a mortgage loan from JP Morgan Chase, but It is delayed by Chase mortgage underwriting for two weeks already. The mortgage officer make some errors in the application form, and underwriting has been veyr un-cooperative. They request documents a few at a time, and do n't review in time at all. Still not fully reviewed as of today, XXXX/XXXX/2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XX/XX/2015, I was mailed a demand letter for payment of {$400.00} from Capital Management Services , LP. 

I am disputing this debt, because it has never belonged to me. This debt is not mine. 

This debt is a result of an identity theft where my XXXX Bank checking account checks and debit card were stolen from my vehicle. 

Again, I am disputing this XXXX Bank debt of {$400.00}, because it does not belong to me and it resulted from an identity theft of my debit card and checking account checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My Bank of America branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-BOA atms. My BOA fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked BOA from refund me the fees since their ATM machine was down and they would not. This happens very often!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had my pocketbook stolen from my car on XXXX XXXX. I called all my credit card co 's to report the stolen cards and cancell all my cards and bank cards. On XXXX/XXXX/2017 I received my target statement which had a {$470.00} charge on it from XXXX made in XXXX, MA at the Target store there. Target stated that because the person charging the purchased used my pin that I was liable for the fraudulent charge. Target also stated that the items purchase were not what a typical fraud charge usually purchases. Iw as instructed to write a letter with the police report case # XXXX & my 4th precinct on XXXX XXXX Police Dept 's contact which I also submitted as Detective XXXX XXXX. I have never been to the location of the charge and because my entire pocket book was taken my address book was in the pocketbook as well, in the address book and on my cell phone there is an area where I note all my PIN numbers. I need help with Target, I called to follow up today XXXX/XXXX/17 over a month after sending the information that Target requested and they told me they had no record of my letter. I sent my letter with tracking XXXX on XXXX/XXXX/2017 Tracking nUmber XXXX and Target signed for this letter and the back up on. Target received and signed for the letter on XXXX/XXXX/2017 at XXXX at teh front desk at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Please advise what should do moving forward. Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
Ive called and talk to Experian over and over again & they told me they need a FTC & Proof of identity to handle the XXXX fraudulent accounts that are open in my name Ive provided the information they needed I need the XXXX fraudulent accounts removed immediately its causing me very financial hardship I need help please

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 2020-03-20
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Corporation violates Dodd-Frank Act an other statutes. PHH Mortgage Corporation continues to practice unsafe and unsound practices relating to the foreclosure and sale of my residential home. MERS was the original servicer on my home. Then during the foreclosure process, XXXX   XXXX  sold my mortgage to PHH Mortgage Corporation. This bait and switch practice has left me confused as to who has foreclosed on my home. The bait and switch has also applied to the legal counsel. The first attorneys were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now XXXX, XXXX XXXX XXXX, XXXX has sent a Notice To Quit Premises demanding that we vacate our home in 10 days. There is no note and MERS has mishandled the mortgage foreclosure process. The services have foreclosed on the home without a note and has no " standing '' to foreclose on my home. MERS is continuing to violate the Dodd-Frank Act. Please fight for us as I do not know what servicer or attorney to fight. My home has already been illegally stolen from me and now I am forced into XXXX. I am XXXX and I deserve justice and due process of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Oh XXXX 2022 I open a citi priority account which includes a checking and savings account upon opening this account I made the external transfers which was a deposit of {$1000.00} on XX/XX/XXXX from my chime account And a another deposit {$1000.00}. I received stating that my citi account will be closed within 60 days this email was sent on XXXX2022. Citi bank is now holding on to my money I have to wait two months to get my. Money back an will like to receive it as soon as possible

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 2021-01-14
Company: Cam Credits, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debter is XXXX  XXXX  XXXX  XXXX XXXX oregon. They billed my insurance for medical treatment and I paid XXXX dollars per visit. I have proof I had paid it. Than come to find out that this same company sent me to a collection company cam credit services for collection of XXXX dollars that I never knew I had. They never sent me any notifications or letters. Also it posted on my credit claiming it was listed on XXXX of XXXX. But did not actually post on my credit till XX/XX/XXXX of 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 2015-10-03
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
recently, OCWEN wanting to file a foreclose law suit, so OCWEN falsified a copy of old mortgage paper, and ask MERS Mortgage Electronic Registration Systems , Inc. ( MERS ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, MERS have abused the Electronic file system. according the law, MERS need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX county clerk office, and you can also look at the date they file, it was there first filing on XXXX XXXX, XXXX and the Mortgage date is XXXX XXXX by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, MERS and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the foreclose procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Comerica
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Money 's was taken from my Direct Express account XX/XX/XXXX without my authorization. I immediately made phone contact with Direct Express via Cell phone and reported the incident. Paperwork was sent via Post which I filled out and returned via the USPS. I shortly received a letter advising that my claim had been denied and case closed due to Direct Express stating that they did not receive the requested information from me. I again sent the forms on XXXX XXXX 2016 via USPS Tracking # XXXX XXXX XXXX XXXX XXXX. I received receipt conformation delivery of XXXX XXXX 2016 by XXXX XXXX. XXXX. Upon receiving the denial I spoke with Direct Express via phone in ref. to Direct Express resending the forms to me, @ which time I was advised by Direct Express that my claim would be reopen when the before mentioned forms were received by Direct Express. I made phone contact with Direct Express on XXXX XXXX 2016 and spoke with XXXX @ XXXX hrs and was transfered by XXXX and spoke with XXXX @ XXXX hrs. At that time XXXX advised me that there was no info available on the status of my claim reopened/not reopened, and who was assigned to investigate. I was also advised by XXXX that there was no time limit on how long it would take to complete (? Why was my case closed without all info received if time is not a factor? ). At that time I made a verbal request to XXXX that the current status of my claim be sent to me in writing. As of this date XXXX XXXX. I have not received my request. I am currently behind on my financial obligations, I am a XXXX Veteran and live on a fixed income. I feel as if I am being victimized all over again. I do not plan to continue with Direct Express because I no longer trust them. I went with Direct Express because the Federal Government recommend them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
convergent outsourcing inc is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over XXXX years old and they have an account number that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 I sent a letter disputing incorrect and inaccurate items on my credit report. To this day over 60 days later I have not received a response, I feel like Im being taken advantage of and being ignored of my disputes. It has been over 60 days so they should be deleted immediately. My information was also impacted by the Equifax data breach, my information could have been obtained illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Twice I've written letter to Enhanced Recovery Company and I've never received anything from them in the mail! They are still reporting the item on my credit despite my many attempts to find out why they are there in the first place! They are not allowed to report a disputed debt. They must provide validation when requested. They have standards that they are not committed to and you are supposed to help! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Barclays Bank has stated that I owe {$950.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. They not attempted to help me resolve this 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 2015-11-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing this medical bill on my credit report for over a year now and neither the collection agency nor the credit bureaus will remove this record. All my medical bills have been paid to my knowledge and I have contacted the responsible parties several times for this to be corrected. They have not been able to show proof of this debt or any additional information regarding the balance. I have contacted the creditor as well and they also have no records of this debt. Please help me clean this off of my report so that I can reach my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was put on forbearance with Citizens as I was laid off in XXXX XX/XX/2020. I make 75 percent of our income ( wife and I ). I am in the car business and had no idea when we would be able to work again. Citizens differed my payments. By XXXX I was back working. I called citizens multiple times, they have records, and I attempted to get off forbearance. I had logged online multiple times but was not able to make a payment online, I had to call. Wait on hold for hours sometimes just to be hung up on or transferred to XXXX. All because I wanted to pay my mortgage. Online I could only pay the full 4 months due and wasnt allowed partial payments. Which is assanine. Finally I was able to talk to someone and i paid XXXX dollars but I couldnt use it to go towards my payments in deferral only towards principal.!?!?! I then stated since I was backed by the fed that I wanted out of forbearance and my payments added to the end of my loan. They have made it absolutely impossible for me to PAY MY MORTGAGE, now I am broke again, I can not afford to pay XXXX dollars and I do not want to re mortgage my house. I just want my payemtnts deferred added to the end of my loan which is an option I heard the president of the United stated guarantee me I could do. I dont have time to XXXX around on hold and then to non decision makers at citizens bank. To as me to hold for hours Or to fill out paperwork and send taxes is bull XXXX. I lost my job because of COVID, along with the rest of the country.now I have to prove it? Did they not watch the news. Im not proving anything I didnt ask for anyone of this. Now I cant get help. Big banks, do whatever the XXXX they want they always have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Progressive Financial Services, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My federal student loan went into default XX/XX/XXXX or something. Progressive Financial Services submitted a form requesting wage garnishment in XX/XX/XXXX. The amount listed under the original request was for {$53000.00}. My loan was for {$40000.00} the {$53000.00} included fee+interest. This collection company has taken over {$73000.00} in garnishment from my wages. My HR department has verified they were paid under the original request. This company has submitted a new request for {$35000.00}. They stated that they will take over {$100000.00} and they will continue to garnish until I stop working because they have the right to collect daily interest and fee 's even though the requested amount from my HR department has been satisfied. I need help. This loan has been paid back twice already and they refuse to stop the garnishments.

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