BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted TD Solutions LLC at XXXX XXXX XXXX address being XXXX XXXX XXXX XXXX XXXX, IL XXXX and I spoke with a representative by the name of " XXXX '' I reached out to the agency after viewing an amount owed on my XXXX I contacted the agency to resolve the debt and to setup a payment arrangement. I was not advised that the call was monitored and or recorded by the representative until after she had asked me for numerous pieces of personal information nor was I advised of the Miranda warning. I was only advised " this is an attempt to collect a debt '' I had stated to XXXX that I am currently unemployed and in severe financial hardship and I can only afford {$25.00} a month but that I am willing to pay, the representative then told me that in order to accept that I had to give them {$250.00} as a down payment I told her I was not able to afford that, at that point she said she could n't accept {$25.00} and I would need to pay what she was telling me and I would need to call back when I can afford that. I then asked to be transferred to a manager she said I would have to leave them a voicemail I advised her I wanted to speak with a live manager or a team lead if a manager was unavailable she told me my only option was to leave a voicemail then she continued to speak over me cut me off when I was talking and then hung up on me. I attempted to contact the agency back to speak to a manager but was unable to get ahold of anyone.

Company response to consumer: Closed
Consumer complaint received 2017-03-22
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M & T Bank and XXXX XXXX have fraudulent foreclosed on my XXXX property in Florida with out bring in me in the case. They actually listed my property for sale in XXXX. XXXX started the foreclosure with out bringing me in, and when I filed a complaint against them, they immediately sold the loan in the middle of foreclosure to M & T Bank who finished the foreclosure. These XXXX banks had put a cloud on my title & Now XXXX is washing their hands and passing it to M & T Bank.

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 2016-07-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Filed complaint with Equifax. They will " try '' to resolve in another 30 days bring the time ( if resolved ) to almost 90 days. Have spent over three hours on the phone with Equifax. Depending on who your are talking to ( I spoke to XXXX representatives they range from helpful to rude and incompetent. 
Spoke with the XXXX collection agency. They assured me that they submitted via " oscar '' on XXXX XXXX, all the required paperwork needed to delete the account. They sent me a copy of what they submitted to Equifax. 
Called Equifax back and they insisted they did not get the report. Spoke to another person the nextday. They acknowledged the the debt was paid and were unsure as to why it was still be reported as a derogatory on my credit report. He put me on hold several times and then stated I need to file a complaint with Equifax. I offered to sent him copies of what XXXX sent me but the Equifax rep informed me that they must deal directly with XXXX. 
It should not be this hard to correct an account that was closed as paid in full back in XXXX 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: LEXISNEXIS
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:
XX/XX/2021, LexisNexis. LexisNexis is braking the Fair Credit Reporting Act law. 15 U.S code 1681- ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have attached a letter that LexisNexis mailed me stating that they purchased bankruptcy information from XXXX. LexisNexis did not get my XXXX XXXX to furnish a bankruptcy on my consumer report. LexisNexis DELETE this bankruptcy from your data immediately. LexisNexis reports this bankruptcy to XXXX, XXXX and XXXX as well. This company is braking the law!!!!!!!!!! I have attached documents of proof. I have attached my ID, XXXX XXXX card, and most recent Utility bill for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a bank account with Chase back in XX/XX/2021. I never received a debit card and rarely accessed online banking. Then I called Chase and I ordered a new debit card because I never got one. Then there was a check that was deposited which I dont know how it got deposited nor do I Recognize this check at all. I guess there was a hold put on it, and the check was not good and no money was available so I was not aware of this. Then I tried to use mobile banking after I got my debit card, I tried to deposit my XXXX  financial aid check but I didnt think it went through, so I cash it at another bank, and then it came back returned through Chase . I guess at that time they put a restriction on my account that I was never notified or aware of. Then I got a job and set up direct deposit with his bank. When my direct deposit went through with my employer, I couldnt use my debit card or pull money out of my account because it was restricted. I went into the Chase bank on XXXX XXXX in XXXX CA and talked to a banker who said they needed to verify the original holders of the checks that were deposited in my account before they could take the restriction off. I could give them the information for the financial aid check but I dont recognize the first why did I think there was attempted fraudulent activity that was used on my account. Now theres been two deposits from my employer that I dont have access to any of these funds and I dont have any money now to pay my rent. My account is not overdrawn and I told them to just close my account if they cant give me my money and return it to my employer so that they can re-issue it to my other bank. They refuse to do so I need help please. I work for this money there is no reason why they should be trying to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, 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:
I noticed fraudulent accounts on my consumer report. The major 3 credit bureaus, Equifax, XXXX, and XXXX are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was pushed into deferment, but when i started paying back they said I was late. My payments ( multiple separate loans they say ca n't be consolidated ) went up by hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My daughter and I borrowed money from Sallie Mae to cover tuition for XXXX semesters at the University XXXX. The checks were written to the University and endorsed by my daughter. XXXX of these loans are now being handled by XXXX, which I do n't totally understand. We are trying to consolidate these loans and hopefully negotiate a lower interest rate. There are institutions that are willing to help but claim that if the loans do not show up in the XXXX XXXX XXXX XXXX ( XXXX ) they can not help us. I do not understand how money that was borrowed from the Federal Government and used strictly for tuition is not considered a Federal Student Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I Have no idea why this company is placing a collection account on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: MNE Services, Inc
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX continues to call my place of business over XXXX times a day. I have asked them to stop, my attorney has sent them a letter, but they continue to call. They use obscene language and said they will continue to harass me until I send them {$500.00}. I had a payday loan that was declared in a bankruptcy 2 years ago. This was also explained to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: TX
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:
I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 

On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. 
XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 
XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. 
XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. 

Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by Experian. 

So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. 

Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2016 I reviewed my credit report and notice a collection account with XXXX XXXX XXXX XXXX. They claim I owe them {$2500.00}. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. My letter requested to provide proof of the account. On XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX XXXX with a list of charges however I do not agree with several of the charges such as " replace XXXX drip pans '' of {$16.00} and " Carpet Replace Required - Pet Damage '' of {$400.00}. I responded on XXXX XXXX, 2016 disputing several of the charges list on response to the validation letter and to date I have not received a response from XXXX XXXX XXXX XXXX. I have attached all correspondence for this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by a company a few days ago saying i owes a debt I XXXX XXXX told that company i have no knowledge of this debt that i been a victim of identity theft and thats wasnt my debt they told me they would be places this on all three credit reports and dismissed the call this debt just appeared on my credit report with XXXX  and XXXX i will like this debt removed because its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit card
Issue: Other

Complaint:
Good Morning, I faxed 3 letters to LVNV FUNDING , LLC XXXX, SC XXXX regarding a XXXX Account Number XXXX ... .. It is not my Card ... ..I have asked them to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from debt collection agent called " Capital Accounts '' and demand me to pay {$1100.00} debt from XXXX 's XXXX XXXX. I was shocked and called the debt agency the next day when they open the business. I have told the customer service that I did not own this money and thought it was resolved XXXX or three years ago. 

I did have an issue with XXXX with the payment. I have contacted them at least three times or more. I even walked into the XXXX office and the front desk lady said she could not discuss with me and I have to talk to the XXXX wife. So I left my cell phone number but never got responses. The only reponse is a bill statement that is getting more and more money shows on the bill and then I did not receive anything. 

When I and my kids visited the XXXX office, we have agreement to pay up front to the services they provides otherwise they refuse to provide the services. So my understanding is I have paid everything in full before any services and I do n't own any monney. The agreement is obvious that if I do n't pay they do n't provide services. In other words, If they provide services, I must pay them in full. I am not responsible for any extra charges later without my consent. This is against my will and they can not bait me for XXXX price and ask me for additionals later without my consent. It is unfair that they just send me bill and accumalate the debt and leave to the debt collection agency without my consent and without any proper steps and actively communicate to solve the issue with me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In Case Number number : XXXX, the CFPB has the authority to do the following when presented with clear and blatant facts of violations by SunTrust Mortgage. The CFPB was directed by the Office of Inspector General of the FHFA to investigate, but did nothing with the CFPB oversight authority. 
" CFPB may bring administrative enforcement proceedings or civil actions in federal district court or state court. The Bureau can obtain 'any appropriate legal or equitable relief with respect to a violation of [ f ] ederal consumer financial law, '' including, but not limited to the following : Rescission or reformation of contracts Refund of money or return of real property Restitution Disgorgement or compensation for unjust enrichment Payment of damages or other monetary relief Public notification regarding the violation Limits on the activities or functions of the person against whom the action is brought Civil monetary penalties ( which can go either to victims or to financial education ) It is also possible hat the CFPB will seek significant fines in its enforcement actions. The penalties that the Bureau may seek are also significant. The CFPB can seek to impose civil penalties of ( a ) up to {$5000.00} per day for the violation of a rule imposed by the Bureau, ( b ) up to {$25000.00} per day for the reckless violation of a federal consumer protection law, and ( c ) up to {>= $1,000,000} per day for a knowing violation of a federal consumer financial law or regulation.

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 2016-07-24
Company: Credit Karma, LLC
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The address below i do n't recognize I never live in TX. I never visit TX I assume some one is trying to commit fraud using my name. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XX/XX/2010 I paid about 40 thousand dollars to Litton Loan Servicing. They were supppposed to apply it to my account but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

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 2021-12-25
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

Company response to consumer: Closed with explanation