BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: Enhanced Acquisitions, LLC
State: MI
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:
In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, Enhanced and now XXXX. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and Enhanced have apparently abandon their attempts. The most recent attempt was made by XXXX. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Action Financial Services, LLC
State: AR
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Dept of Treasury have not contact me about my student loans, It was in collections I did not received and documents, I have called so many different numbers and no one can not tell me anything, I have gotten approved for financial aid and they took my whole tax refund but can not explain why

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 2016-06-20
Company: DCI Credit Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DCI credit in XXXX XXXX told me the hospital was charging me all the interest on my medical bills. NOT THEM. They said My payments went to " legal stuff '', " other accounts '', " interest ''. I have asked for statements and they just send confusing print outs. They wo n't send statements or letters. The website says you can see open and closed accounts - send email. This is NOT true. XX/XX/XXXX I owed XXXX. Made payment of XXXX. I then owed XXXX in XX/XX/XXXX. I was told my payment went toward interest and yes I now owe more.

Company response to consumer: Closed
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

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 2022-04-19
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am making a formal complaint against Franklin Service , Inc., XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX ( XXXX XXXX XXXX ). I paid Franklin Service {$260.00} on XX/XX/XXXX to settle my debit in full with XXXX. Franklin Service did not report my payment to XXXX for account #. On XX/XX/XXXX I paid XXXX ( XXXX XXXX XXXX ) additional {$130.00} on same account #. I have attached receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was incarcerated for 1.5 years. I just got XXXX and are currently living in a XXXX. During the time in XXXX I has limited availability to work on proceeding with the short sale. I have tried to work with citi to prevent the foreclosure of my property. I am currently working with a Realtor. We have a buyer and all of the short sale documents sent to the lender. We have a schedule sheriff sale date tomorrow Friday XXXX XXXX. I am requesting the sheriff sale be postponed to allow us time to proceed with the short sale. Please make Citi work with us to do the best thing for them and myself - allowing the sale as a short sale

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello I have XXXX collections that do not belong on my credit report. Unverified accounts. The first collection is XXXX for {$2400.00} Account # XXXX. The second collection is XXXX Account # XXXX. The third account is XXXX for {$740.00} account # XXXX. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to TransUnion and they will not delete this account either even though I have sent in documents stating that the account is paid in full. These collections should not be reporting and I 'm asking or them to 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 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Since falling victim to the XXXX, XXXX, XXXX, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.

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 2016-03-25
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have an old Asset Acceptance account from XXXX XXXX ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). Asset Acceptance has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. Asset Acceptance has violated my rights as a consumer and XXXX terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against Asset Acceptance : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. XXXX XXXX XXXX XXXX Pays 31-60 Days 2. Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2016-12-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2016 CFPB : The Chief Underwriter of TARP Funds Recipient JPMChase has Violated My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement of my JPMChase FRM Refinancing of my FDIC-Conserved LIBOR-Indexed ARM Loan, the day before the Scheduled Closing at XXXX XXXX, and, in fact, has NEVER let me examine it, when I had paid the {$2500.00} Refinancing Application Fee to JPMChase Mortgage Specialist XXXX XXXX XXXX. I need JPMChase to STOP Violating My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement, and, if I accept it, JPMChase and I are to Close, with Effective Closing Date being the Original Scheduled Closing Date. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo bank advertised opening an online account with a {$250.00} promotion. I completed the online process. Then I received an email directing me to the branch in order to complete the process. When I went to the branch, they told me that they could open the account but not apply the {$250.00} promotional to the account. I feel like this was a bait and switch.

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 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A charge-off was reported on my account with XXXX for a negative balance of ~ {$15.00}. The address the bank had on file was wrong, and so I did not know that I had a charge off until it was reported on my credit score. I then contacted the bank and paid off the negative balance. After paying off the balance, they agreed to have the charge-off removed ; however, there was no response from TransUnion. The collections department at the bank told me there was nothing left to do, but sent me the form they submitted to have the charge-off removed so I could remediate the issue myself. I submitted a complaint with TransUnion twice and received no response nor change to my credit report. The contact information I have on file with TransUnion is up to date -- there has simply been no response.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 explanation
Consumer complaint received 2016-02-09
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card was used for fraudulent purchases. 
Citicards does not provide support to dispute the charges, and instead sent me a bill for the charges. Their phone line is shut down and website access to account information does not permit any disputes. 
citicards.com website makes it very difficult to dispute charges, while bills are sent promptly.

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 2016-07-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I made a purchase on XXXX XXXX on XXXX and the total payment {$90.00} consists 1 ) {$82.00} from citibank MCARD XXXX, 2 ) XXXX XXXX {$7.00}. This is a purchase but the transaction was categorized as " Cash Advance '' and I was charged {$10.00} cash advance fee and {$1.00} interest. 
I contacted Citibank may times and Citibank said XXXX sent wrong transaction category. I contacted XXXX many times and XXXX said they sent correct transaction category. They asked me to talk to the other party but do not take action to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I made a purchase in the amount of {$33.00} using my Citi Costco credit card. They billed me {$34.00}. I suspect they are adding small amounts to bills and hoping the additions wo n't be noticed by the consumers. I called the credit card company and got XXXX in Maryland and he put me on hold and never came back.

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 2016-11-22
Company: Capstone Funding Group, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Capstone has refinance my present mortgage with XXXX, I have several complaints with your office regarding XXXX. XXXX was the Servicers XXXX ( see attached complaint number ) So I ask Capstone to change Servicers and Capstone denied my request., sencodly Capstone payoff XXXX XXXX complaints will be file today ) but the lien is still showing owed with the XXXX XXXX ''. I believe was planned. So Capstone or XXXX because they refuse to XXXX in making XXXX correct issue with money owe to borrower ( myself ) late fee that never happening and now loads lien to still existing with XXXX COUNTY '' Capstone or XXXX do n't care to assist in any thing the XXXX does. XXXX Capstone still has n't given borrower the signed close documents for this loan for XXXX and XXXX was payoff to XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-10-19
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This morning XX/XX/2016 I received a phone call during my working hours by a collection company call Quality Recovery Service, Inc My boss told the woman that was in classroom with my students and could she take a message. The woman said no because I really need to speak to her about a personal issues. I have ask them not to call me on my job at all but they did anyway by harassment me. She was very unprofessional and extroidnarily accusatory towards me on the phone. The woman on phone stated that she 's been trying to call me but I have n't received no phone calls on my personal phone but on my job only. Then she threatened me by saying she will have my wages garnish and and take legal actions towards me if I do n't make any payments. She was so rude on phone with and hung up the phone on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX/ XXXX XXXX group as assignee of Citibank N.A . had asked for copies of statements proving the balance due, had asked everything in writing to stop robo calling ; had told them balances were in error and that Citibank had not honored credit protection, rewards points, XXXX had refused any assistance in this matter ; they had been reporting this account late going on 3 years on my credit report. Summons was issued, refused any assistance, paid attorney XXXX to answer summons, filed at the courts myself ; had para legal complete and notify XXXX/ Citibank ; with case management, filed and entered at court ; ordered to appear XXXX/XXXX/XXXX original XXXX then changed to XXXX ; I appeared at XXXX then stayed the entire day of which XXXX group no showed ; they were given another court date XXXX XXXX, XXXX had I been the one not to appear I would have a judgement however since it was a credit card collectors representing the banks with legal representation? it was rescheduled. Most recently mailed a threatening notice claiming that they still had not received appropriate information? This has been causing undue stress and continued negative reporting on my credit rating which I have been trying to correct after major medical, loss of homes foreclosures, had Citibank has knowingly sold this and XXXX has knowingly refused to stop proceedings while under investigation. They failed to show!! this should have been at the minimum dismissed with prediduce. I have told them that I am on a fixed income and unable to come up with cash lump sum, I have also shared with them it is inaccurate and that they need to send the numerous years of payment to me showing just where they got their totals? Citibank has complied with liar reports sent directly to XXXX with their added fees after they declined to assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: EdFinancial Services
State: TX
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:
I havr Federal Student loans that were serviced by a company called ed financial. My account was current for several years and also on forbearance. Unfortunately when the forbearance was up I was unemployed due to being layed off by my employer. Ed financial no longer serviced my loan and was transferred to whether company and I was unaware. Ed financial shows on my credit as 120 days late. 
Now I have taken the proper steps and have had all my loans consolidated. Edfinancial still shows on my credit 120 days late dated back to 2006. I have disputed thru the credit bureaus to have Edfinancial removed from my report as it have been over 10 years and they will not remove it. I want the item removed as I was unaware that the servicer was changed and also I got behind because of this and also this account is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Lake Area Collections, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation