BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a letter addressed to my husband XXXX XXXX ( letter says XXXX XXXX XXXX ), stating we owe a debt to XXXX XXXX bank. We do not have an account with XXXX XXXX. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I discovered this collection account on my credit report on XXXX/XXXX/17 and never received a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Blitt and Gaines, P.C.
State: MO
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:
Blitt and Gaines , P.C . sent me a collection notice in the mail about a debt I allegedly owe and on the collection letter it clearly states that they are a debt collector please see attachments. I responded to the collection disputing the alleged debt with a cease and desist of all collection activities and removal of all accounts from my consumer files along with Affidavit of truth. I submitted this dispute via certified mail as well as via email. they responded via email telling me to contact XXXX XXXX but XXXX XXXX is not reporting on my consumer file they are, and XXXX XXXX did not send me a collection notice they did. blitt and gaines claim i owe a debt but i do not because i never signed a contract with them they are committing fraud and pretending to be someone they are not, and they have several violations on their collection notice they have not furnished me anything that i have asked for in my attached documents. there are so many consumer law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The bank approved a XXXX from out country to take out of my checking acvount on the XXXX I have contacted them several times went in and filled out papers with bank mansger. They have returned my bill as insufficient funds and have now taken my social security money out of my account. It is now the XXXX and I have none of my money because of them stealing it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had gotten a XXXX loan and a XXXX loan through my school XXXX and began attending school in XXXX, graduating the following year in XXXX. From the word jump there has always been problems with XXXX/Navient. When I first set up the automatic payment that was free because there were added charges to doing it any other way, they would charge me 2 or 3 times the monthly payment. Then when I would contact them they would tell me that someone must have entered in a number wrong and they were sorry for the inconvenience. Over the next few months other things would happen like it did n't automatically make my payment and charge me late fees and their excuse was the same every time. They never once would return the late fees. For months it was problem after problem until I stopped the auto pay and began doing it myself but the issues did n't stop there. Issues would come up where they would switch accounts on their end so my payments were no longer being received and more late charges or they would change the amount of my payments so I was under paying and more late charges. All of these things would happen and there was never a warning or something to let me know that they were changing not even when they changed their name which guess what, it cause the payments to not get processed and I was charged late fees. When things were tough they would lead me into thinking that forbearance was just a freeze on my loans and would n't have a negative affect on me in any way and they never gave me any other options besides going into forbearance. I still have issues with them to this day and am sickened by how they conduct their business. I hope this lawsuit ruins them and those in charge see the inside of a cell. The payments I make are almost the minimum and they are still the highest monthly fixed price bill I pay besides the mortgage on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$5200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: Worldwide Recovery LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-31
Company: Internal Check Systems, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Not exactly sure who debt is with. I think it is all a scam I Can only think of a payday loan back in 2009. Was paid back in 2009. The caller today called my work and gave out my social security number and supposedly a case number, called my ex-husband who I have n't any contact with in XXXX years and gave out my social security number and called XXXX other people. This is illegal and I want them closed down and fined for giving out personal information. If I owe anyone a debt they need to send me documentation as any debt collector would do.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against the company that holds mortgage Bay view Loan Servicing. The company is very unprofessional and is always providing incorrect information and misplacing documents. However this complaint is reference to harassing collection call. My mortgage is due on the XXXX of each month and I have a grace period till XXXX of each month. Bay view begins making collections call on the XXXX. The calls are excessive 6 -- 7 calls a day every hour on the hour. I understand that the payment is late but this has to be some form of harassment. One call and a message is appropriate. Please contact this company about their collection call process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2016-02-18
Company: EMBRACE HOME LOANS
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Embrace Home LoansMy daughter and I applied for a mortgage for her new house right after XXXX. We have been going through the process since then and they keep asking us for the same documents over and over and keep moving the closing dates and we can not get a straight answer from the Sales Manager, the mortgage manager or the processing department. We get different answers from different people every time we speak to anyone. Very frustrating to say the least plus the fact that my daughter is going through a divorce and wants to move out of their house and move into her new house. please help us and put an end to the incompetency of this company and other ones.

Company response to consumer: Closed
Consumer complaint received 2017-04-02
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past two years, CCS Collections has listed a collections account on my XXXX and XXXX credit reports. I am unaware as to the source of this collection account and so on XX/XX/XXXX, I sent a letter to CCS to validate the debt. They have not responded yet continue to report the collection on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a second mortgage with Bank of America. I called them on XX/XX/XXXX to inquire about payment history dates on XX/XX/XXXX mortgage statement. It showed XX/XX/XXXX thru XX/XX/XXXX as not being paid, I have proof from my banking records of payments. I am aware of being 2 payments behind and was in contact with a representative who informed me that I could add additional monies to my normal payment until I was able to complete my 2 behind payments. Per my phone conversation XX/XX/XXXX, they informed me that my loan was charged off on XX/XX/XXXX, without any prior notification to myself from BOA. BOA 's resolution was for me to make a payment, which I did, and that they can not reinstate my loan. Furthermore, their suggestions were to either settle the loan or make payments which will further continue to have negative consequences on my credit as this will show as a charge off. I am under the impression that before any action like this can be taken against a consumer, that the loan holder would have to notify the consumer of any such action.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 2015-08-06
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have attempted to verify this account and to prove that it indeed belongs to me, but I have received no mail correspondence or verbal confirmation. All is I am able to see is a negative entry on my credit file. I have tried calling, sending certified mail letters ( XXXX ), but this company will not respond. It have been several months since I started an investigation on this company. I tried several numbers to reach this company. I called XXXX spoke with XXXX. He transferred me to the collections department. Who then sent me to XXXX XXXX at XXXX and got transferred to the business banking department, who could not help me and got transferred to XXXX. I spoke with XXXX who transferred me to the Education Finance department at XXXX Who stated they he could not find any account of me. This company has been asked several times to validate this account. They are reporting that I missed a payment in XX/XX/XXXX, but this account has already been closed since 2012. This account has been closed for XXXX years and they are now reporting on my credit I have a recent late payment. Their are reporting inaccurate and derogatory information on my credit file. Please remove the unverifiable derogatory information from my credit file. It has been over XXXX days. This information must be removed or I will escalate to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank checking account promotion back in XX/XX/XXXX for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout. It has been more than 4 months since I deposited XXXX no payout was processed yet.I have been calling Citi bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I every time I was told that I have to wait 90 days to receive a bonus. Then I called on Saturday XX/XX/XXXX to the Citi Bank and I at that time customer service rep opened a dispute. Two days later I received a letter stating that I did n't meet bank 's requirements since I did n't deposit money in 30 days since I opened an account. Why no one told me that when I called on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If I knew that I do n't qualify for that bonus I would just move my money to another bank instead of keeping my XXXX for free in Citi bank. Moreover, now bank stated that i had to deposit money 30 days since I opened account - what 30 days regular or business days. And in that letter Citi Bank is stating that I had to keep my money for 30 days so why I was told so many times that I have to wait 90 days. This is ridiculous. Bank is using people 's money to its own benefits.

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 2017-03-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Unknown callers are constant calling me from XXXX credit card. Everyday. I 've set up a payment arrangement with a lady and let her know I can only pay a small amount. A gentleman recently called and told me I 'm refusing to pay and do I have a lawyer and said it was my problem I have to deal with. I do n't appreciate that. I feel threatened. I work and I 'm having financial difficulties. I have a family I have to take care of. He continued to argue with me over the phone. His name he told me was XXXX. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
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: Problem with personal statement of dispute

Complaint:
I asked Equifax to investigate some items on my credit report on XX/XX/XXXX. Trough usps tracking, my mail was received on XX/XX/XXXX. 
In the letter i was asking them to send me back the results of the investigation to my address. 
i attached to this letter a copy of my report, circled the items, my SSN, copy of my ID & a utility bill. 
Around XX/XX/XXXX, I received a letter asking for more documentations to identify myself ( even though they already had it in my first letter ) i sent back a second letter on XX/XX/XXXX with my paystub and my Social security card ( be mindful they already had my ID & an utility bill!! ) today XX/XX/XXXX they asked me again for the same documents!!! 

They clearly do not want to investigate and are engaging in delay tactics in flagrant violation with the FCRA!!! 

I will not send them back any more identifications since clearly they can not be trusted to manage informations. 
I not only want all those items to be removed from my account but i do think they need to be severely punished for their actions as they are known to do exactly that!!! 

Per the Fair Credit Reporting act those agencies have XXXX  days to investigate & send me the results of this investigation. If they don't, the items i asked them to verify must be removed. 

Also per the FCRA, i could be entitled to financial compensation. 
I started to ask about those items after verifying the informations myself and noticing discrepancies. Those might have or will cost me potentially thousands of dollars in interests over the time i pay back loans or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Convergent Outsourcing XXXX continues ( for nearly five months ) to use an automated dialer to call my office telephone number. What 's more, when I have called their number to ask them to cease the phone calls, they have told me that they are not even trying to reach me. I can not imagine what harassment I would endure if they actually thought that I owed them money. 
I have called them on numerous occasions, requesting that they stop calling me with their response being that my number is on their blocked list. I have registered my phone number on their " Do Not Call List '' on two occasions with no results whatsoever. Convergent 's website states that calls should cease within 48 hours, but almost two weeks after my first request, I still receive several calls a week from them. 
It is utterly ridiculous that a company can interrupt my work day approximately 50 times, with phone calls and messages not meant for me, and smugly claim that there is nothing more they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: D&A Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX from D and A Services called me asked me to verify my personal information. I basically told him that I do not give out me personal information to strangers and to send whatever he needed to contact me about in writing. He began yelling at me about refusing to pay my debts or verifying myself. He told me that if he want to commit any type of fraud or identity theft he already had enough information to do so. He continued to talk after I told him to send the information in the mail. He also tried to get me to verify personal information and gave me some one else 's Social Security Number. I told him it was not my information and hung up.

Company response to consumer: Closed with explanation