BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago I was a victim of identity theft which led me to make a feredal report and collect all the evidence of a bank account opened in my name and tax reported to the IRS under my social. At the beginning of 2021 I received a debt from the IRS which I did not recognize and requested an investigation which was to my credit. I have many fraudulent accounts in my credit report, some have already been eliminated but there is one that continues to report negative I have had several disputes and I have communicated with the company but I have not been able to resolve the case. I have sent them the proof of identity theft and even so they have stopped reporting in collection. Since XX/XX/2021 I am trying to solve this problem without satisfactory answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX referred my account to a collections agency. I have contacted them multiple times asking for a copy of the contract I signed saying I would repay them for a free phone that was offered to us if we changed providers. I have no record of it and XXXX has been unwilling to provide a copy of the signed contract. This is now the second collections agency involved. The first one stopped after I asked them to validate the debt. They said they were no longer involved and used that as their excuse for not responding. XXXX, as a cell phone provided is not regulated by CFPB but their collections agency is. XXXX, and now RPM, can not provide evidence of a signed contract. They only offer was bill but that does not validate a agreement or contract, only an attempt to collect on that agreement. I have spent hours of wasted time on the phone with XXXX and got hung up on five times this morning in trying to contact RPM. I was going to pay them just to make this go away because of the amount of time and energy I have wasted trying to get the to prove I signed the contract. After the countless lost hours I want this debt eliminated, not just put to a different collection agency.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account has all 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 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus.  Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the   XXXX     XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they decl ined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.

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 2021-06-12
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide recovery systems placed a debt on my credit with XXXX XXXX that I am completely unaware of. I have never even heard from them nor have I received a letter. I have no idea what this is from, I have never done business with them. I do not owe this debt. Anytime a debt collector is going to report you, they have to notify you first via mail or call. I never received anything nor heard anything from them. Also, even if I did, I am to receive a 30 day notice to contact them and validate the debt. Since I was not aware of it, I was never given that opportunity. Also, I do not see anything on my insurance showing any EOBs from this company, therefore I have no reason to believe this debt is mine at all. IF they did have my information they would've known to bill my insurance for it. I want this item removed from my credit report immediately. ALSO, I am a victim of identity theft. I have had someone taking over my accounts and changing my address. they have used my name, my license, my address, phone number, email, XXXX and all my medical information. I deserve the right to validate any debt to ensure that it is mine. Failure to communicate me prior to reporting this is direct violation of the Texas Finance code 202 ( b ). REMOVE AND CEASE ALL COLLECTION EFFORTS PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I have a XXXX XXXX XXXXr monthly service plan fee for the past two years I have paid each month 2 times they are convinced I don't and won't help stop the overcharging or credit it. This last month 3 times overcharged. XXXX XXXX for monthly service plan fee and also I am over charged at there atm who. Pays XXXX to use an ATM every month. I don't know how come it's not cheaper it use to be that this was at ace check cashing with my NetSpend card

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 2019-12-10
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/XXXX Received 1st and only notification from XXXX XXXX XXXX , XXXX about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX  where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX. 
When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address. 

On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they dont have a license to practice in XXXX. 

On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative. 

On XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with them On XXXX, Synchrony verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above. 

On XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for {$XXXX} Again, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX. 

I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.

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 2021-06-12
Company: Total Card, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the past few days i have been getting calls from unknown numbers and even voicemails back to back to back. Even family members were harassed by these people attempting to collect a debt. They are using unfair tactics, threatening me with court, threatening to take my wages, threatening to take funds from my bank account, even the last call threatening to " send my case upstairs for failure to pay ''. This total visa card is a closed account on my credit report apparently from almost 6 years ago. The person on the phone when i called them asking them why they are harassing my family members which i am sure is against the law, the man told me that " because the statute of limitations is about to expire we are trying to collect on an old debt '' Worst is that i XXXX the card type and apparently the credit limit is XXXX with a whopping almost 35 % APR. This apparently is issued by the XXXX XXXX XXXX. I honestly do not remember ever applying for a card with that high of an APR as that would be a financial loss to me even if trying to repair my credit. My mom did not raise a fool and i would never agree to that. I am a victim of identity theft foremost and i tried to explain that. The guy on the phone come telling me that with fees, court fees, etc i would have to pay more than XXXX which i do not have. How can a credit card with a XXXX limit equate to more than XXXX? And worst the guy was rude and unprofessional and i find it strange how he claimed " My client will waive the XXXX in attorney fees and some other fee and me pay like XXXX k '' Something seems shady. They even had someone with an XXXX accent threatening me to send the cops to my house and that is illegal. I can not be arrested for a debt. I think this company is practicing shady collection tactics and i am not happy about this. I fail to understand how they know there was a pandemic and they are trying to keep people in debt. it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: IA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-11-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am reporting fraud and scam that happened to me 5 weeks ago that Chase mistakenly deny my fraudulent claim. 

On XX/XX/XXXX at XXXX, I received a text message stated I sent money to " XXXX XXXX XXXX XXXX. I was confused because I didnt know who is " XXXX '' nor I didnt send the money myself. I immediately logged into my Chase account and {$1900.00} was sent to XXXX. I call Chase fraud department immediately and file a fraud claim around XXXX. The customer services assist me to lock both of my XXXX account and my credit cards. Meanwhile, the specialists told me it would take a month to investigate. 

On XX/XX/XXXX, again, I received a text message stated I sent {$2000.00} to " XXXX ''. I panicked when I received this text message because someone was accessing my account again! Fortunately, since my XXXX account was locked, the transaction to XXXX was unsuccessful. I didnt lost any money. 

2days later on XX/XX/XXXX, same thing happened again. But this time {$1600.00} tried to send to " XXXX ''. And the transaction was rejected as my account was locked. 

I have been very patience while waiting for Chase to handle this issue. I tried to call between XX/XX/XXXX - XX/XX/XXXX as I was trying to get an update from Chase. However, I wasn't able to reach customer services. 

Until today on XX/XX/XXXX, I reached customer support yet told me my fraudulent claim was denied. 

Something wrong in my account and it is a mistake that Chase deny my fraudulent claim. Here 's are the reasons why : 1. The rejected transaction to " XXXX '' and " XXXX '' proves someone was able to access my account. I wouldn't use XXXX to send money if I know my account is locked. ( Please refer to Attachment 1 : Fraud ) 2. I changed all my log in information as chase suggested. I also rebooted my computer. In addition, I also transfer most of my money out to a different bank. 
3. All of these proves Its definitely someone hacked my account to send money to XXXX. I couldnt prevent it because it is their first attempts to steal money from me. But I did my best to report to Chase Fraudulent department when the transaction is still pending. 
4. All of my previous XXXX transaction are less than {$200.00}. When I send money, I have a habit to write a note and description to state what is the money for. But the transaction to " XXXX '', " XXXX '', and " XXXX '' exceeds a thousands dollars and never leave a note to state what is it for. Those transactions are suspicious! ( Please refer to Attachment 2 : Money sent Overview ). 

In conclusion, It is a mistake that Chase deny my {$1900.00} fraudulent claim to XXXX. 

Thank you for your time for reading this. Don't hesitate to let me know if I can provide any additional information. 

Regards, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX and Chase Bank closed my account due to being a risk after multiple fraudulent charges that were not mine after I used their fraud department and they paid out on the charges then closed my accounts. XXXXXXXX XXXX XXXX  ( XXXX ) then XXXX  XXXX XXXX ( XXXX ). The monies depositedwere from XXXX XXXX and my monthly XXXX deposits. I was part of the Federal Government XXXX in XXXX. And the XXXX XXXX hacks as well as the XXXX XXXX. And XXXX XXXX hack after XXXX of XXXX. Recently the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filed a complaint with CFPB regarding an account XXXX XXXX XXXX on XX/XX/XXXX. This item was successfully removed from my XXXX report based on the CFPB 's investigation completed on XX/XX/XXXX complaint # XXXX. I submitted the documentation to CRA XXXX and they have refused to remove this account from my report. I am requesting that this account be removed from the other 2 credit reporting agencies ( XXXX & Transunion ) based on the investigation results that removed the item from my XXXX report.

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 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAP ONE AUTO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This account is already paid. I demand that your agency reinvestigate the reporting on this account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We purchased our home on XXXX XXXX yet there was nothing in the system of the Veterans Administration until XX/XX/XXXX. Therefore 2 years of payment was never accounted as paid.the last assignment documentation was never recorded in The Superior Court of XXXX County.A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? Who are the Trustee/s of loan and or Trustee of my Deed and Trust from the life of the loan? 
Has my loan ever been through Bifurcation at any time for the life of the loan? 
When the loans are securitized, they are sold on XXXX XXXX, and are bifurcated. The note is destroyed because it can not exist both as a stock and a note, so the mortgage is unsecured. Our house can not be security for an unsecured loan. Unless the bank is holding the mortgage as a portfolio loan, it's been securitized. This is what we have been saying from day 1 in ignorance of this wild scheme of a game. By using MERS they have split the Note and Mortgage= Bifurcate. 
BOFA MERRILL LYNCH ASSET AND HOLDING DECLARED TO BE THE OWNER THEREFORE WHO OWNS THE DEED OR nOTE OF TRUST

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 2018-05-31
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I AM FILING A COMPLAINT AGAINST MY MORTGAGE COMPANY SPECILIZED LOAN SERVICES BASE IN XXXX, I LOST MY SOCIAL SECURITY FOR A 3 MONTH PERIOD INXX/XX/XXXX -XX/XX/XXXX AND I TOLD SPECIALIZED LOAN SERVICES THIS WHEN IT WAS HAPPENING AND I WAS TOLD WHEN YOU GET YOUR INCOME BACK JUST SEND US WHAT YOU OWE US TO GET BACK ON TRACK, SO I DID IN XX/XX/XXXX I SENT THEM A CHECK FOR THE 4 MONTHS AND ABOUT MID XX/XX/XXXX THEY SENT ME A LETTER AND A MY CHECK BACK STATING THEY ARENT ACCEPTING THIS CHECK AS IT IS PAST 90 DAYS AND MY LOAN IS IN DEFAULT. IN XX/XX/XXXX I GET A LEGAL PAPERS STATING BC OF THE DEFAULT THEY ARE STARTING FORCLOSURE PRECEEDINGS, I IMMEDIATELY GET AN ATTORNEY AND HE BEEN TRYING TO TELL THEM THAT I HAVE THE INCOME TO SUPPORT THE HOME AND I WANT TO STAY IN HOME, AND BECAUSE THE MORTGAGE COMPANY AND THE COURT ARE DRAGGING THERE FEET, I NOW OWE {$73000.00} IN ARREERS AND MY ATTORNEY HAS LEFT NUMEROUS MESSAGES FOR THE MORTGAGE COMPANY TO PUT THE AREERS ON END OF LOAN AS A BALLOON AND THE MORTGAGE COMPANY REFUSES TO CO-OPERATE OR EVEN GIVE ATTORNEY A PHONE CALL OR NOTHING THEY REFUSE TO MOTIFY THIS LOAN OR EVEN NEGOTIATE THIS LOAN, AND I HAVE NO OTHER WAY BUT BANKRUPTCY AT THIS POINT WHICH I DONT WANT TO DO.I AM ON XXXX CANT WORK, AND THE SPECIALIZED LOAN SERVICES REFUSE TO NEGOTIATE WITH MY ATTORNEY.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 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