BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: Worldwide Recovery LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They threaten that they will come to our residence or business to " serve '' us. Numerous empty threats many of which I have saved voicemails on my phone.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was incorrectly assessed a {$14.00} fee by Bank of America at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank has removed and stopped reporting my primary credit card to XXXX without my consent and is REFUSING to re-report the account ( to XXXX ) despite my repeated attempts to have this done. This has resulted in my credit score being reduced to a score from well over XXXX down to XXXX and has the potential for future credit applications being denied.

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 2017-04-02
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
Citi.com ( their Costco product ) I disputed a charge. They appropriately credited my account -- then inexplicably put the charge back on my account. Their customer service department says it will take 6 months? They are still charging me the full amount ( XXXX ) on my monthly statements and say there is nothing they can do.

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 2016-10-04
Company: LK Manley, Inc
State: WV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a ambulance fee of {$430.00} from XXXX XXXX 2013, I had Insurance when i used this service. I just noticed it was on my credit so I gave them a call and told them i had insurance when i used this transportation service and that they did not run my insurance card, she informed me that It was way to late for insurance information to be given and that I had to pay this fee to collections. It js there fault for not running my insurance card and now i am stuck with an unpaid balance of {$430.00} on my credit. I never knew i owed them any money for this service until I started getting collections notices from this company

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: Comerica
State: MN
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
I have been charged {$4.00} two times to have my card replaced when fraudulent transactions were place on it : both were refunded my the merchants stating they were fraud but DirectExpress will not reverse the fees now I have not received the second replacement card and I am being told I need to pay {$4.00} again or {$13.00} to get a new card overnight. They will not transfer my funds to another outside account without the new missing card number nor will they close the account and send a remittance for the balance. I have no way to get my ssdi without paying more money to get my needed benefits they are basically withholding from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Paypal Holdings, Inc
State: SC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have been trying to transfer funds from a car buyer who insists that we use PayPal to complete the transaction. 
I find Paypal very deceptive in it 's description of it 's services. I have called PayPal customer service numerous times & never told the entire procedure to xfer money. For example : their web site allows you request set up for a " Friends & Family '' money transfer & send the request to the other party. However when the sending party tries to send the requested sum they get a message that the precipitant ( me ) is not a " Verified Member '' & blocks the transfer. 
This is true, to be a Verified Member I must provide Paypal with my Bank account information & they offer XXXX options : Instant Verification & a second method. I chose the second method because the Instant choice requires you acknowledge their " Term & Conditions ''. Upon reading it, I learned that I would be granting them a Power of Atty over my accounts & if I were to take legal action against them I would have to pay their legal expenses. Not acceptable & deceptive! 

When speaking to the Customer service people, who are very courteous but perhaps not fully knowledgeable, I was told, " that requirement was found in your Terms & Conditions Agreement ''. Upon further discussion with the last customer service rep. I press to find out if there were any other impediments to allowing this transaction go forward. I was told " I must confirm my email address '' before the transaction can go forward. 
Paypal allows people to start transactions but does not inform you that additional requirements must be met for complete approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a XXXX or XXXX and XXXX. Both card are consolidate as XXXX card with a balance of {$7400.00}. Due to changes in my military status, I am no longer a monthly paid XXXX since XX/XX/XXXX. The hardship of paying bills become harder and I had to resort to payday loans. The end result is my XXXX was unpaid for several months. 
here is my complaint, I was to receive my XX/XX/XXXX tax return of {$530.00} to be released on XX/XX/XXXX. I never received my refund. I was advised by the IRS automated system that my refund was paid to Transworld System Inc ( TSI ). I made inquiries to TSI and I had asked why is my refund taken. Customer services proceed to say to make payment arrangement. When I inquired why I never received a letter on this collection. They proceeded to say " no letter was return. '' I continued to asked more than 3x for a copy and the proceed with the excuse " no letter was return. '' until XX/XX/XXXX, I have receive an envelope with copies of transaction and a non legible or a very poor scan copy of letters sent to me in XX/XX/XXXX from XXXX. The letter is dated XX/XX/XXXX and the letter gives me 60 days of the date of the letter to sign an agreement for payment arrangement or a Treasury Offset Program will be implemented. 60 days from XX/XX/XXXX will not be until XX/XX/XXXX. my refund was taken from me to early. This violates the letter I never received. I spoke to XXXX customer service on XX/XX/XXXX to gather some information and I spoke to XXXX. She explained to me that various service members have lodge complaints with TSI, so why has nothing been done to rectify these complaints with TSI. TSI is punishing me with there high interest rate with a balance I checked back in XX/XX/XXXX of {$12000.00}. today this balance has gone up to {$13000.00} TSI has lied to me regarding letters sent out in XX/XX/XXXX. TSI has made it clear that I can not pay a single payment of the current balance due my credit report. Why has the FTC stopped this practice if various service members including myself being punished and my credit report will effected since collection will be on going and if I can the balance off in so many year, my credit report will still be negative for another 7 years because of the unauthorized collection practice and interest charges XXXX has suggested to me to inquire with TSI for hardship but the representative only laughed at me and said there is no hardship. I will soon receive my military retirement then my Social Security retirement. TSI will collect all my entitlements and leave me nothing to pay my mortgage, utilities and food. this is unfair to me since someone has given them rights to take this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Colony Brands, Inc.
State: NC
Product: Credit card
Issue: Arbitration

Complaint:
I have contacted this company called, Swiss Colony directly through mail letting them know that I am disputing this item on my credit report and also that this account is fraudulent because I never received the item they are charging me with {$130.00} on my credit report. I have seen that they have not place the notice that the item have been disputed by consumer. I know it 's been over 30 days and I am willing to go to court for their negligent. I want the item to be taken off all my credit reports. I have a fraudulent alert on all my credit reports because of this item from Swiss Colony sticking me with this unpaid account. They ca n't prove anything that this account is actually mine or if I have signed an agreement bearing my signature. They could n't provide the information to me. I just want the item to be removed from my credit report. I am so willing to forget going to court in exchange for them to remove the item off all my credit reports. I have letters to prove that I have written to them that I have disputed the item on my credit reports and they still have broken the law by not providing the dispute statement on my reports.I have also let them know that the account is not mine but they want me to get a police report to prove it. I told they that I always use Apt XXXX B to get my mails because of my neighbors beside me, it is possible that they could have receive the product from Swiss Colony and never report it. I did not order anything from them and they refuse to believe me and I want them to remove this account since they have closed it. The statement is still not on my reports after I have disputed the item. So they have broken the law and I want it removed off all my credit reports. Swiss Colony have violate the FCRA section 623 ( a ) ( 3 )

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a XXXX home in XX/XX/2013. The original purchase price was {$170000.00} and I put 15 % down. I was at 85 % LTV with a loan amount of {$150000.00}. That means I needed PMI. According to my amortization schedule, my loan was scheduled to reach 78 % LTV in XX/XX/XXXX of this year. The PMI should have been automatically removed. I messaged SLS about this via their website and never received a response. I called a month later and they said I needed to submit a written request. I submitted my request along with XXXX guidelines for automatic PMI removal. They sent me back a letter saying that I needed to authorize and pay for an appraisal and then they would make a determination. They will not let me speak to anyone making a decision. They just keep telling me that I need an appraisal. No one rebuts what I am saying or shows me where I am wrong. I did confirm with the lender that my loan was scheduled to reach 78 % of the original balance in XX/XX/XXXX of this year. HELP!

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: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: I.C. System, Inc.
State: CA
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:
IC systems Inc. purchase a debt from XXXX XXXX XXXX XXXX and claims I owe a debt for {$580.00} with no documented proof and a complete incorrect address with no Social Security information and theyre trying to time my first and last name to a debt thats not mine I have spoken XXXX in the past and they all agreed to remove the debt they have then since then again tried to collect a debt that is not legally owed this is now becoming harassment and I want to stop now Im offering them 30 days to remove this from my the account and I want documented proof that this was removed in writing if not I will file a claim against you all

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: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX 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 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 XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2016-03-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A representative from Chase Commercial Services by the name of XXXX XXXX called my cell phone on XX/XX/2016 and was impersonated to be a lawyer representing XXXX XXXX.After several attempts he also mentioned he worked for CHASE BANK. He then went on to try to collect the wrong amount for a difference of $ XXXX I actually send XXXX XXXX and email with the indication that what he was trying to collect was the wrong amount. He continued to send me text messages where he is using my social security and sending me a text message with my social security. I have asked the representative by the name of XXXX XXXX to stop calling me and to stop calling my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2016 I placed a security freeze with Equifax, XXXX and XXXX. After the security freeze Equifax sent me a confirmation letter with the required PIN number. When I was trying to apply for a credit card and called them to lift it, they told me that there was no security freeze on my account, and that the name on the account was not my legal name. Given that my information was already compromised by a stolen wallet and on-going criminal investigation for financial identity theft I contacted them to change the legal name and place an additional security freeze. They requested a copy of my driver 's license and social security card which I faxed over. After about 2 weeks I received a confirmation that stated the name change was complete, but the changed name was incorrect and thus did not reflect the name provided on the documents. Moreover, on the same date I placed an initial fraud alert, and got a letter confirming it, they also later denied the placement of the fraud alert even though it is visible in the other credit bureaus and I received a confirmation letter. They still have n't gotten back to me about the additional security freeze and fraud alert and whether my information was accessible during the time in which I thought I had a security freeze. By providing the police reports I was able to place an extended 7 year fraud alert with XXXX and XXXX, but there still is no confirmation letter from Equifax. They are unhelpful about providing me information unless I buy their products, and when I try to I ca n't buy it. So far none of these issues have been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: JPMORGAN CHASE & CO.
State: VA
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:
I have two inquiries still showing on my XXXX credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from XXXX and Chase Bank and it still shows. This only shows up on XXXX but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reached out to Equifax regarding fraudulent/unauthorized inquiries on my account. I was told to contact the creditors listed which I did but they were unable to help me since they either no longer had the information, or redirected to me to contact Equifax again. Today, XX/XX/XXXX, when I reached out the agent told me to get the inquiries removed I needed to file a complaint and fax it over so they could get this inquiries removed from my credit report. Below I have listed the names and dates on the fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation