BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-28
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I received a alert on my credit file of a medical collection from a company named Collection Associates for a XXXX XXXX Hospital. There are XXXX separate collections on my report from them XXXX in the amount of {$210.00} XXXX in the amount of {$370.00}. I did not think I owed any money to them so I called them. They asked for my social security number and name. The representative said I have NO record of you owing us any money. I said well can you remove the XXXX collections from my report she said nothing she can do because she has no record of me owing any money. So i called my bankruptcy attorney he said to give you guys a call to resolve this issue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Centric Asset Management Inc
State: ME
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Centric assets keeps calling my work after I told them not to. A XXXX XXXX keeps calling treating to call my superior. 
I told not to call my work that I am notallowed.personal calls. 
He also harassed the people that work there.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My vehicle was totaled on XX/XX/XXXX. On XX/XX/XXXX, my insurance company requested a letter of guarantee from Truist so that they can payoff the vehicle. They were told it would be sent to them in 5-7 business days. It is now XX/XX/XXXX. We have not received the letter of guarantee. I have made multiple calls to the total loss department to request the status of this letter. They do not answer the phone or return voicemails. I contacted loan servicing and filed a complaint. I was told that a manager would call me back regarding my complaint. No one has called me back. I have filed a second complaint with servicing. No response. I also emailed the CEO of Truist on XX/XX/XXXX. No response. My insurance will not pay me the balance of the coverage on the vehicle until this matter is settled, which is creating a significant financial hardship for me. Issues and problems I can understand, but the complete lack of responsiveness and the fact that no one seems to be able to help me is completely unprofessional. It should not be this difficult to get a simple letter so that my insurance will payoff the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
we have learned the debt collector, XXXX XXXX, aka a criminal atty and unlicensed in the state of nevada never validated the debt since XXXX according to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXXhere is the timeline:XX/XX/XXXX they filed a complaint in court as per attachedXX/XX/XXXX they served someone named XXXX in a gardenXXXXXX/XX/XXXX they filed the affidavit of serving someone named XXXX in a gardenwho was not methe judge noted in the minutes and transcript this is not proper service and often clerks just file things as they are presented without looking at anythingXX/XX/XXXX they obtained a default judgment by filing an affidavit serving XXXX without proper servicewhen i was not in town from XX/XX/XXXX through XX/XX/XXXXon XX/XX/XXXX i telephoned XXXX XXXX office, i asked them what this is, what is this for what are the amounts and charges for date of last payment etc ... i was put on hold and switched around several times and then told no need to answer ... they 'll take care of iti mailed and faxed to XXXX disputed the amounts and requested validation on XX/XX/XXXXi never heard from them ever again until 4 1/2 years later when a phone call from a XXXX at XXXX telephoned 3 times and hung up ... on my voice mail without identifying himself as to why he was calling. i have it on my machine then a letter was received dated XX/XX/XXXX received by a receptionist XX/XX/XXXX at a company that i am not an employee of ... along with demands for payments in amt of XXXX along within the demand and threats that strangers are responsible for this debt and if they do n't comapy there is jail time it noted my entire social security number and my name ... which i understand is a breach of security and violation of nrs 239 statutes as well as a federal statute ... i have that statute written down that it violated. 
since then i have received mail addressed to my property in the name of XXXX towing companies that are being offered lines of credit. i have had to put a fraud alert on and so far several charges have been made that are not mine. 
i have learned the towing companies are out of XXXX and XXXX ... i looked up these companies that are using my property ... several consumers made XXXX videos stating their cars were being seized illegally by these same companies that are using my property and address. 
i wrote to the the atty general office they said they got my info from the chamber of commerce. i went to see the president of the chamber he said the towing companies are not participating in the chamber events and apologized. and their information is not in their system anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Performant Financial Corporation
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
This is the 2nd complaint with this company, the company does not want to disclose to me where I was double credited. I overpaid one month and have proof of that. CITI never over credited me at all. Also another complaint with the Executive Response Unit team. They only reached out to me once and told me they were going to resolve these fraudulent charges. At the end of the week, i had 1 missed call from this team. I tried reaching out to them but I did not receive any kind of notification. Until i got a letter in the mail stating that I owe XXXX dollars worth of fraudulent charges.

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 2022-10-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX. XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I reported XXXX XXXX for XXXX but wanted to change the charge or the full XXXX XXXX. I have attempted to contact Citi but I can never and I mean never get ahold of them. They even went as far as to block me from writing to them on account portal. I want justice and to provide any docs that are needed for my behalf. I do not understand why I can get ahold of any of my other banks but it is a nightmare to get a hold of them. I was even on the phone for another hour on hold to get to the dispute team. Customer service always says to just wait or call again. This does not solve anything and I am a client and demand to talk to someone who can help. Citi is build very XXXX. They do not answer their emails, they do not call me back on my requests for call back. How do they expect me to get them the information they require when they do not respond to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Other

Complaint:
Macy 's Credit Card sent out a letter stating that they where changing there credit card agreement. I did not fine the new terms acceptable. I requested they close the account and send me a letter that the account was closed and they had removed me from there database. I recieved a letter stating that the account was closed. There was no wording in the letter that stated my information was removed from the database. I called the Customer Service number ( XXXX ) XXXX and spoke to a representative. 
I spoke to XXXX from the XXXX AZ call center with ID # XXXX and explained that I wanted my social security number removed from there database in case of a data breach or if they where unable to do that a letter stating that they would be responsible for any issues of a data breach due to hacking of there system. XXXX quoted " I am not at liberty to send that letter and unable to remove your social security number from the database ''. 
The transactions are handle by XXXX XXXX but the financial institution which issues and administered is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Credit Service Company, INC
State: MN
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:
Received multiple calls asking for a person that I do not know. I have told the company to stop calling me and leaving me messages but they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: ENCORE CAPITAL GROUP 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:
I went to XXXX and told them Midland funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX XXXX XXXX, bank attendant told me it was not me, so it was cleared. Levy department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX XXXX. I believe they gave this information to Midland Funding which is a violation of my privacy, especially since they told me it was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold Checking account with promotional code XXXX, which awarded XXXX XXXX XXXX miles for making XXXX bill payments in consecutive months and making {$1000.00} in purchases using the corresponding debit card ( XXXX within 60 days of account opening ). After completing the requirements, I confirmed with Citi Online Chat Representative " XXXX '' on XXXX/XXXX/2016, who informed me that I had met the requirements on my account. XXXX stated that the miles would post within 90 days from the end of the statement period in which the requirements were completed. These were completed in XXXX, meaning the miles should have posted by XXXX/XXXX/2016. After not receiving the miles as of XXXX/XXXX/2016, I inquired of the status via another Online Chat. Citi Representative " XXXX '' said they would launch an internal research investigation. This investigation took an absurd 24 days to complete ( on XXXX/XXXX/2016 ). The results of their research claimed that I did not make the required debit card purchases within the necessary timeframe. Not only is this incorrect ( I re-reviewed my account activity and confirmed that I made over {$1000.00} in debit card purchases well within 60 days of account opening ), but this is also contradictory to what the Citi Representative said to me on XXXX/XXXX/2016 when they confirmed I completed all eligibility requirements. Furthermore, when I gave them XXXX last chance to make good on this promotion by responding and confirming on XXXX/XXXX/2016 that I made the required debit card purchases, rather than awarding me the miles, they said they would open another investigation ... which will likely take another ridiculous amount of time. Citi is either lying and/or hoping I do n't have the records to prove I completed these eligibility requirements and am entitled this bonus. I completed all terms of the promotion and they confirmed this to me, yet they delay and delay and delay. I can only think that they hope I simply forget about this and let it go, but these practices are dishonest and extremely disappointing.

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 2022-10-29
Company: Asset Pursuit, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A debt of {$12000.00} for unpaid attorney fees was discharged in bankruptcy in 2010 and the judge issued only a charging lien against any divorce assets that I might recover. My personal assets remained protected but the attorney persuaded a collection agency ( asset pursuit ) to freeze {$5000.00}. in my bank account. The bank also took {$120.00} out of my account for processing fees. 
Asset Pursuit then authorized the release of my account and {$5000.00} was returned to me however Asset Pursuit is refusing to return the processing fee of {$120.00}.

My cash flow was impacted for approximately two weeks and I am apprehensive that this may occur again in the future. My bills were paid late and late fees were assessed even though this debt that they attempted to collect was fully discharged in bankruptcy. The original amount they sought was {$31000.00} which is yet another error. I have retained all of the emails showing that Asset Pursuit acknowledges the debt as having been discharged and they proceeded to release my funds. 





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Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you

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 2015-12-11
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citimortgage and I were working on a loan modification to lower my payments. After sending in everything they requested they kept calling me every XXXX months telling me they needed me to send it in again. After almost XXXX years I told them they have what they need to make a decision and I would not be sending anything else. If they wanted the house I would do a deed in lieu. They told me they did n't want the house and they sold the loan to a collection agency. I had to file bankruptcy and we ran my credit report and found out that Cotimortgage was running a credit check on me approx. every XXXX months lowering my credit score without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I am a wildfire victim of the Paradise Campfire in 2018. 
I received my XXXX lawsuit settlement check XX/XX/XXXX and used XXXX, XXXX, XXXX aka XXXXXXXX XXXX XXXXXXXX XXXX. They used a company name XXXX to cut the checks, whose bank is XXXX XXXX, per the attorneys letter to me. 
My bank is Chase, which is where we deposited the check. They put a restriction on my entire checking account, because they had to verify the check I pushed and said I understand verifying the check, but why restrict my account? They said that is just their process. Which other victims has XXXX issues regarding this. 
Chase says they can not verify with XXXX in their system, and that they wont take an incoming call from XXXX because it could be anyone calling in as XXXX they said. So I had multiple people from Chase try calling the bank the check funds are coming from ( XXXX ), they were able to verify them just fine, but at that time XXXX said they needed a verified list of checks cut from XXXX. So I called XXXX and let them know if they can just do that, then Chase could verify with XXXX. A week later of nothing being able to be done, XXXX called me on XX/XX/XXXX Thursday morning, saying they received what they needed from XXXX and to have Chase call to verify. So I did just that, but this time the lady, and her supervisor told me now they can not call XXXX to verify, after I had multiple people do it in the week from Chase and they had no issue. And again they will not take a call from anyone or let me 3 way call to clear it up. 
The Attorneys also got paid $ XXXX from me alone, and have not helped me at all with this issue. 

At this time due to the 10 day hold that now I was told cleared, my funds are now being held in XXXX account, so how did they in fact receive funds from a bank or trust they could not verify? And they told me they are closing my account by XX/XX/XXXX. I am going to get an attorney and sue Chase at this point for damages, because my credit is now affected by not being able to pay on time, they withheld our normal paychecks, power can be shut off if not paid and everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. 
toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested proof that this debt is mine multiple times. This debt of XXXX is on my credit file and no one has been able to tell me what it 's for with the exception that it 's for a bank. I have no idea who the bank is. This has not been validated despite my requests.i demand this be removed from my credit file as this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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