BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: Maury Cobb, Attorney at Law, LLC
State: NC
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:
I was a XXXX customer for 8 long and frustrating years. I had little to no signal and experienced XXXX dropped calls & choppy calls. After years of " we will add new towers in your area soon '' I switched to XXXX. XXXX sold me a phone w/LTE technology. They PROMISED me the new technology would solve my connection problems. They switched to XXXX technology the same week that they sold me the phone. They sold me a useless phone. This same phone was stolen from my shop 2 weeks after I switched. I had it blocked. I also discovered that I had been paying on a phone that I paid for in full at date of purchase. 6 months of wrongful payment for the XXXX phone. I was told I owed on the phones. The cust serv rep at XXXX ASSURED ME they would waive IN FULL the phones ( again, one I had already paid for ) upon termination of service. At that point I owed {$280.00}. I offered them {$140.00} to resolve the issue. The other {$140.00} was ONE DAY ( less than 24 hrs ) of service into the next billing cycle. I offered a prorated payment of {$250.00} to cover the extra day. They refused. My offer to pay the {$140.00} still stands, but all credit references must disappear with said payment, as well as all calls from debt collection agencies and all of their annoying robocalls. They now say I owe {$830.00}. Please understand that " what i owe '' is many numbers. When I call I can get as many as XXXX different " you owe '' totals. Its all XXXX. I " technically '' owe them less than {$140.00}. Im no longer interested in paying the {$140.00} as they have cost me far more than that in aggrevation. I was a customer for 8 years with NOT ONE SINGLE LATE PAYMENT EVER for crying out loud, & aside from this issue I have PERFECT credit. They have sent this " fictional debt '' to many different collection agencies, all of which have harassed me relentlessly. The calls are all hours day and night, even at XXXX and XXXX XXXX. They have hindered my sleep and caused me financial loss. I would like to seek retribution. I have an attorney of my own that knows me well. I am also getting dozens of robocalls daily. One happened at XXXX as I typed this. Conclusion : XXXX has been sued by many agencies for many dishonest practices. This is just another example of their dishonest business tactics. 
XXXX if you SAY you will waive the phones, and SAY " your phones are waived. You no longer owe on the phones '', THEY SHOULD ACTUALLY DO IT!! 

The " imaginary debt '' has been sent to Maury Cobb & Associates LLC. 
Id also like to say since I switched to XXXX my life has vastly improved. My customers can actually hear my voice. Ive experienced less than XXXX dropped calls, I have coverage EVERYWHERE, and I get cell phone reception, not excuses. I should have switched 8 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Sir i booked for XXXX travel to XXXX where sfo to XXXX alaska XXXX will take there after from XXXX to XXXX. XXXX will take responsibility but XXXX chaged the travel date to XXXX so they provided full refund coz they provided cancellation option with full refund but XXXX XXXX saying they refunded but citi credit card guys saying we don't know what XXXX XXXX saying they refunded on XXXX but citicredit saying they don't know my money stucked between two biggest corporations sir please help which is XXXX $ Note : while booking XXXX deducti twice for one ticket where I opened dispute with citi they resolved & applied permanent credit but for second XXXX $ transaction XXXX refunded citi was not applying XXXX saying they refunded

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 2016-08-08
Company: NCC Business Services, Inc.
State: GA
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:
I was evicted by XXXX XXXX and XXXX XXXX XXXX XXXX. I was being harassed so badly by NCC business Inc. so I paid NCC Business services in full XXXX XXXX, 2016. NCC Business Services Inc never validated that XXXX owed the debt and the also refuse to submit validation of my dispute. NCC has not provided proof of payment in writing to me or XXXX XXXX, NCC continues to report the debt as unpaid on our credit reports for my Son and I. I have called and requested a letter to validate they were paid in full and the representatives including Managers, XXXX XXXX, XXXX and XXXX fail to provide written proof. The funds were removed from my checking account but is still showing as debt outstanding on my credit report as well as my son 's credit and he was denied an apartment for rent because of this. NCC also are still reporting to XXXX XXXX this debt is still owed. NCC Business Services also refused to verify payment to the property management company where XXXX applied for housing. As a result the price for the home has increased and he was not approved. I dispute this information because I paid {$2300.00} electronically to NCC Business Services XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received someone else 's auto draft authorization request with their attached voided check on it in the mail. It was mixed in with the company 's correspondence to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 non-monetary relief
Consumer complaint received 2017-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, I am a Veteran and I have filed a complaint that requires me to send documents explaining the case to the veteran 's military division of the CFPB, but I ca n't find the address for military complaints, I have 140 pages of evidence and statements, and I am worried that my complaint did not go to the military division. Please provide me a paper mail address at XXXX///the Complaint number is XXXX. Currently Carrington Collection Agency who is impersonating mortgage servicers is using the 60 day continuation they asked for to commit additional debt collector harassment. I will attemp to attach some documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
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 attache and FTC report with inquiries I did not authorize

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 2022-05-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification from XXXX XXXX XXXX since XX/XX/XXXX which the loan has now been bought out by Rushmore Loan Management Services. While it was with XXXX XXXX XXXX, after asking for help I was told I would have to skip XXXX payments which I did and then they would talk to me about helping me. They then sent me a letter telling me what I needed to send them which I did and to start making my payments again which I did. They said I would here back from them within 45 days. Before the 45 days were up they put us in foreclosure and never let us pay again even though we could make the payments and made us accrue over {$100000.00} in interest since XX/XX/XXXX. I have an attorney working on this with me. The last correspondence we have had from them was in XXXX XX/XX/XXXX which is well beyond the 45 days that they should have responded to us from the offer they gave us and our lawyer wrote back to them. This has been a continuing problem with this bank and has gone on way to long. This bank ignores our attorneys phone calls and we feel it is time the bank responds to us and our attorney. They have destroyed my credit letting this go on for so long. It is the banks responsibility to get back to us in a reasonable time frame and they are not doing that. I just want to hopefully receive this modification and finally move on with my life. I do n't feel the bank should have the right to keep this up in the air without any correspondence at all. I just want them to do what they should do in the correct amount of time allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was approached online the scammer manipulated me into putting my money in XXXX through crypto.com utilizing their services. 
I lost the equivalent of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 attached an FTC report with inquires I did not authorize

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 2016-01-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
An electronic payment of {$140.00} was made to my XXXX account. This payment was sent by mistake to Synchroncy Bank address XXXX XXXX XXXX, XXXX FL, XXXX when it should have gone to XXXX XXXX. The payment was sent XXXX XXXX, 2015 and received XXXX XXXX, 2015. The next month I received a bill from XXXX saying my account was overdue. My XXXX XXXX gave me proof of the payment with a trace number. When this not resolve the issue XXXX XXXX of XXXX XXXX ( XXXX sent around 90 minutes on the phone trying to resolve the issue with no success. After numerous calls to XXXX XXXX, XXXX XXXX XXXX ( XXXX ) arranged a conference call with Synchroncy Bank. At that time we were told there was no way Synchroncy Bank could trace the payment. We were unable to talk to a supervisor even though this was requested. Both XXXX XXXX and XXXX XXXX told me that any bank can check on deposits and they were shocked at the responce we received. Later XXXX sent a Good Faith Letter to Synchroncy Bank verifying that the payment had been made and received. I ended up paying XXXX XXXX {$140.00} to keep my account from being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 we received the last quarterly bill for our building. I promptly forwarded to the escrow company that bill with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} for Unit 1 by XXXX. 

The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed. 

I've contacted the escrow company multiple times and no response has been received from them. We have now ( XXXX ) received a late bill from the city with interest for the unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: American Financial Resources, Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I had trouble using the automated system, which resulted in me having to pay a fee by the time I got it to work. I assumed this was my fault. In XXXX, I attempted to pay by phone sometime between XXXX XXXX. I was then contacted by letter, saying that there were non sufficient funds for the payment. I checked my account to make sure there was n't a math error and to confirm that there were funds available. Once I confirmed this, I attempted to pay my payment again on XXXX/XXXX/15. I was contacted around the XX/XX/XXXX by phone, by the company and they stated that they had not received payment. I explained to them that I had tried to pay twice and that the funds are in my account. At that time, the representative told me that I entered my checking account number wrong ( both times, the exact same way ). I told him this was impossible, because I do not even key my checking account info in, and that I always just use what is on file. He refused to admit that there was any kind of glitch with their automated system. When I called to pay my payment in XXXX, I made sure to listen to the automated system when it asked me how I wanted to pay. It does not read me the entire account number, it only asks if I want to use the account ending in XXXX. There is no way I could have entered the information wrong, all I did was say yes that I wanted to use the account that is on file. Now they are trying to charge me {$15.00} for each time that the payment did n't go through ( even though it never even touched my bank account ), plus a late fee, plus they charged me extra to pay by phone because the payment was late. In all the total fees are nearly {$60.00}, even though I tried to make my payment twice before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
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:
ExperianXXXX  reports inaccurate and false information here are the following : XXXXXXXX XXXX XXXX TWO ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # 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 non-monetary relief
Consumer complaint received 2017-01-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I went into the XXXX XXXX at the XXXX XXXX on Thursday XXXX XXXX and made a {$150.00} check payment. I signed the electronic check agreement and received my voided check and receipt. I attempted to use the card to make a purchase. It was denied. I called customer service and was told that it took XXXX to 48 hours for payment to clear. I knew this was not true as I am an associate at the store and people do this all the time. ( The {$150.00} check cleared my bank account Friday morning. ) I was told to call back Friday. I called back Friday and now was told it would clear Saturday and if not to call back and they " could help me ''. I explained to the csr that I needed the items for presents for Saturday. I called Saturday morning and it went down hill from there. The ending of the story is that they are holding my {$150.00} deposit for 18 days because I made XXXX payments in a billing cycle. I have never heard of this before. So now I am out the {$150.00} for the check and {$150.00} not credited to my account. I have NEVER heard of this before.

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 2022-03-23
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 XXXX Acct # 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22, I received a text from chase bank stating someone was attempting to make a {$1500.00} XXXX  transaction. I did not respond. Then, I got a call from a chase phone number. The caller said he was from chase fraud and was calling about my account ending in XXXX  He said a transaction for {$1500.00} was going through and asked if I authorized it. He had my account balance leading me to beleive he was from chase having my account number and exact balance. He walked me through how to credit my account with XXXX to ensure my account would not be wiped out only leaving me {$20.00} something. Little did I know I was sending the money. Chase will not help eventhough this person had my account information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation