BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My XXXX used Bank of America for our business banking. 

We closed the accounts XX/XX/XXXX and paid the accounts in full in person at the branch nearest our XXXX XXXX location. 

Over the years we received a few calls in attempt to collect a debt and asked us for our personal information ( which we assumed was fraud ). 

After the second call from the debt collector I called Bank of America to look up my social security number and they confirmed that we did not have any due balances under my social security number ( in XX/XX/XXXX ). 

Today I called XXXX XXXX XXXX to resolve the issue once more and was informed that they have a due balance of {$11000.00} under my social security number that I do not recognize. 

They have no further information on the money other than they asserted that it is due in full. 

This letter is my formal complaint that I do not recognize this debt and that I will write XXXX XXXX XXXX a letter to cease contacting me about this fraudulent charge.

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 2017-02-28
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi So equifax had XXXX inquiries under my name, which I did n't recognize. I contacted them for disputing the inquiries, they asked me to contact those lenders directly to ask them to remove because Equifax could n't do anything. 

I called these lenders, one of them was XXXX XXXX XXXX, asked them to check if there was any credit inquiries under my social number or my name, turned out there was none. 
I called Equifax and they said there was nothing they could do because they ca n't remove inquiries, which I find very unsatisfied answers. There were not only XXXX but XXXX unrecognized inquiries, and certainly XXXX on the other hand does n't mess up like Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was told previously that my payments could not be reduced and so I was told i should go into forbearance so I did not have to pay anything back at the time. however, doing so my loans collected lots of interests and now I have to pay a very large amount of money back and can not afford it. I am now in the REPAY program and of course that balance is still collecting interests. Their is no lead way for borrowers struggling such as myself to have my loan forgiven or even a partial. I have been with my XXXX job for 3 years gping on XXXX in XXXX and the fact that I am not a full time employee I do not qualify for the loan forgiveness. I believe being with the company for this amount of years should could as some sort of acceptance to have my loan forgiven. the years should factor into this option of loan forgiveness even if it is not the entire loan. I was tricked into going into these plans that only made it harder for me to have the ability to buy a home or car without having a co signer. my credit is only ruined because of my loan. My loan was taken out at University XXXX XXXX. The fact that people have to pay such large amount to attend school is what makes people not want to attend any longer, thus causing the higher education rate to decrease tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit score is suffering due to a deed-in-lieu of foreclosure created by XXXX Military Permanent Change of Station extreme hardship. I understand my credit may be affected for a period of 1-3 years, however on my credit report the delinquency is showing it will hurt me through 2022 ( over 7 years ). What help, assistance and/or protection is afforded to me under the FHFA, SCRA and HAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: ONE REVERSE MORTGAGE, LLC
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a reverse mortgage through One Reverse Mortgage ( " XXXX '' ). Shortly after I submitted my personal information to XXXX at their office in XXXX XXXX, California, I received noticed that my personal information, including my Social Security number had been breached, and someone in the XXXX XXXX area attempted to use this information to obtain over XXXX lines of credit. I believe One was negligent in its obligation to maintain the security of my personal information and that a member of the processing team allowed this information to be used by a friend or relative to attempt to obtain these lines of credit. The person went so far as to attempt a change of address with the United States Postal Service. This breach caused great anxiety and stress, with many sleepless nights for me, just waiting for another issue to arise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed before I had the chance to pay the past due. I never got to have my full 37 days to correspond. I am attaching more supporting paperwork to say that my home was taken from me before I could respond after speaking with Carrington Mortgage. Again, another home taken from a Service XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ARS Account Resolution is reporting invalid information to my credit report. I have asked for Verification of the following accounts XXXX XXXX XXXX and have yet to receive it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Direct Recovery Services, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a message on my work phone from a XXXX XXXX. She did not identify the name of the company of provide any details about her call except to say that it was my last chance to contact her and make arrangements before legal action would be taken and it would permanently affect my record. I see that they called my work phone on XXXX, XXXX on my work phone on XXXX and stated last chance to call them and have the process rescinded was XXXX/XXXX/16. 

From XXXX XXXX, I see that they also use the following phone numbers to collect and I have been contacted by these numbers also : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter 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 non-monetary relief
Consumer complaint received 2015-07-06
Company: P&B Capital Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receive repeated calls from XXXX for some type of debt collection. Leaves very little information, seems to be a scam. Business is not licensed in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Diversified Consultants, Inc.
State: CA
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:
Had An Account With XXXX A Few Years Ago But I Changed My Mind And Decided To Close This Account Like With In 30 Days! I Paid All My Balance Owed On This Account At That Time! Now A Few Years Later Their Trying To Collect The Amount Of {$39.00} From Me And It Shows On My Credit Report That The Account Is Open??! This Is All Wrong!!! Have n't Heard From Them In Two Years And Now Their Trying To Collect Something I Do Not Owe!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my credit balance in full to American Express on XX/XX/XXXX. So at this point the balance is reduced to XXXX. Then on XX/XX/XXXX American Express charges me interest on my balance, but the balance is already XXXX. They charged me interest based on the assumption that I did not pay my balance in full. However the reality is I paid my balance in full two days ago. I tried to explain this to American Express on XX/XX/XXXX but they would not issue a credit for the interest charges. I would like to file a complaint to American Express to get my XXXX interest charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received numerous calls stating they were processing a lawsuit against me for cash central and that I would be serve a subpoena to attend court on XXXX of the voicemails I was told if I did n't call back to Watch Out. The debt was about a payday loan that I took out that was sold to XXXX debt collector then that debt collector sold it to national check resolution also go by XXXX recovery services. When I called back the guy I talked to got very rude and aggressive with me as I began to question the matter he said it was because the subpoena was on the way to my house. They told me to give them my credit card number to settle a XXXX loan for {$300.00} or I will have to pay {$1000.00} plus attorney fees and court cost. I do n't know what to do because when I called XXXX attorney they tried to look up the company and told me it was a scam and I need to cancel my bank card but I do n't want to do that and end up getting sue for more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out an advanced payday loan in the amount of {$500.00} while struggling through college in "  XXXX   XXXX  ''. At the time I was working part time in between classes and was soon getting ready to graduate in  XXXX   XXXX . I anticipated paying the loan back a fter two  weeks, however, I was not able to fulfill that obligation. Graduating meant that I needed to focus on my grades to assure completion, so I left my job and lived on bare minimum funds. Thus not being able to pay the loan back immediately or agree to payment arrangements.     Fast forward to  XXXX   XXXX  -- This debt has gone way over my head!! I 've had so many things going on in life that I totally missed this and by the time I tried to reach out to the original company, they had already sold it! I receive a phone call from my mother-in-law stating that someone left her a voicemail detailing this debt and warned her that they would take legal action if I did n't respond. They stated that they needed to get documents to me right away but have not been able to get in contact with me.     I reached out to them to get more information, ( I have not idea what this is about at this point. I do n't even live in the state and it 's been well over a year, all my debts are paid! ) about this debt and find that it is the pay day loan that was taken out over a year and a half ago. I am currently unemployed, so I tried to reason with her on a date that I could call back to pay it off ( giving me time to accumulate the money ). The representative was very argumentative and aggressive in her approach. She told me that my compromise was " unacceptable ''. She repeatedly told me that they would file a case against me in court. I continued to tell her that I do not have a job. I DO NOT HAVE A JOB!!! What am I to do besides try now to make an arrangement? This conversation ended with her hanging up or accidentally ending the call. * I want to insert that this is my first time speaking with this company. I do n't even know if they are legit. * I understand that we all have jobs and rules that we have to follow, but were is the humanity? If a brother or sister owes me money, I will not continue to hound them or make them feel pressured/threatened in that moment if they can not pay me right then/lost their job. This is what drives people into doing things that we all regret after it 's done. This is how people lose their way. This is a huge stressor and I am writing this to let them know that they WILL NOT break me! I was able to work with another creditor who was more than willing to set up a payment arrangements with me and I am done with my payments to them.

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 2015-06-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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 public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a collections letter from XXXX dates XX/XX/2020 in regards a bill from XXXX XXXX XXXX XXXX in the amount of {$52.00}. I never received a bill from the creditor. I received another bill from the creditor and paid it. I checked my insurance records and I do not show this amount due. Im furious to receive a collections letter and never receiving a bill if I even owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: UMB FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 opened a checking account online in response to an online offer promotion for {$300.00} bonus if certain terms were met. In addition, a {$200.00} bonus was said to be available for opening a companion savings account. After successfully opening the account online and funding the account with {$100.00} from another external bank account, I attempted to login to my online banking, only to notice that it had been blocked by the bank. Upon calling to see what the issue was, on XX/XX/2020 the bank was requiring certain documents be faxed in order to unlock the online banking. The very next day, on XX/XX/2020 I received an unsolicited email notifying me that my account, opened successfully online on XX/XX/2020, was being closed. I am of belief and suspicion that the account closure is a direct result of my enrollment in the promotional offer and that the bank is acting unscrupulously in closing the account as a result of this enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card
Issue: Other

Complaint:
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They updated after 60 days as transferred or sold. However, they never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from XXXX and XXXX. I have not received a response from Transunion. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )

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 2017-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Capital One has been settled through XXXX on my behalf and is being paid but not reflecting this on credit report, balance has not been reflected, still showing as chargeoff/collection account. The balance is incorrect. and should say paying as agreed, as it is not with a collection agency it is still with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Navient Solutions, LLC.
State: OH
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:
My monthly payment jumped from {$13.00} a month on a level payment plan to {$50.00} a month this past month. My maturity date also changed from XX/XX/XXXX, to XX/XX/XXXX. I was never notified of any acceleration of my loan, nor am I in any state of default. After calling Navient, they said they would research because they do n't have any record of why it changed either. I hate having to watch my loans like a hawk monthly as this is n't the first issue I have had with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX I applied for credit at XXXX through Bank of America and was denied credit. The reason for the credit denial was I have current or past delinquency with XXXX or more of my creditors. I requested a credit report through XXXX, the same agency they used to deny me credit and there was NO negative info. I filed a chapter XXXX in XX/XX/XXXX, but its been XXXX years and I do n't see the negative info in my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband & I have been living in our home for going on four years. We have received our mortgage from XXXX XXXX in XXXX, Il. They kept our loan for about 8 months & it sold to XXXX. For the last four years our taxes have NOT been paid on time. Which has resulted in a headache and worry for myself and our family. Our name has been put in the paper for something we can not control. We have escrow & I am sick and tired of having to fight & deal with this problem every year. Our mortgage now is with PennyMac who I dealt with this situation last year. When I spoke to the representative I asked the CSR if I needed to send the tax bill to them next year to fix the problem I was told no & assured that this would not happen again. I am sickened & thoroughly annoyed with this situation. We have escrow so I do not have to worry about situations like this occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Resolve Partners, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
will not remove XXXX or XXXX from report. 
costing me legal and costing me my business! 
i have to save $ again to sue them in the meantime it preventing me from making money. this is not fair.

Company response to consumer: Closed with explanation