BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: Summit Financial Corp.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Collector contacted me to voluntarily surrender a vehicle that original lender " charged off ''. She would not identify the company she worked for but threatened to file an " order of execution '' to have police pick up the vehicle. When asked to send paper work to me to submit to my attorney she screamed at me and said there was no paper work. Just tell her where to pick up the car. She also left several voicemails on my cell phone threating the same. I saved the last voicemail. The person also called my employer and spoke to my supervisor informing him of the debt and the police coming to my office to pick up the car. My supervisor sent me an email detailing the phone conversation. I had my attorney call her and she told him the same thing. He searched court databases for XXXX Counties and found no documents filed against me. He told the person not to contact me at work nor my employer again, and to notify me in writing of any legal proceedings including documentation and not to call me any more or come to my home without proper identification and paperwork. The person would not identify where she worked to the attorney either and was very abrasive as she was with me. The attorney told me to contact the FTC as the person was calling from a cell phone, would not identify who she worked for or a work address, nor provide any written documentation of legal actions, which was a clear indication of a scam and that she violated laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Utah System of Higher Education
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 60 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Somebody with the same name as mine but a different SS # & different Date of birth applied for a credit card from Kohl 's. For some reason, Kohl 's opened the account under my SS # & DOB. I noticed this when I received some mails from Kohl 's. I immediately contacted Kohl 's & requested them to close the account. I followed up a month later & they assured me the account was closed. However, one year later ( About XX/XX/2016 ) I received a notice of privacy practice from Kohl 's & also it came up while applying for a mortgage loan that I have an open account with Kohl 's. 
I come to find out that Kohl 's did not close the account as they indicated one year earlier. I contacted them again & it became a running battle for them to close the account they had illegally opened under my SS #. At this point, my credit was negatively impacted & I got less favourable mortgage terms than I would otherwise have gotten. I believe Kohl 's owes me some compensation for the harm they did to my credit & the grief they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX had a glitch in their system that is showing a closed account that has been in good standing now reflecting as a closed charge off and also duplicated. It shows twice as if it is two charge off collections. It has never been in collections nor was it ever a charge off. The account was closed after 4-5 months of failing to report timely zero balances that kept my score from rising. XXXX trust had no explanation nor understood why it was happening. That is another story. XXXX XXXX has confirmed that they have already reached out to all the Bureaus to advise them about the glitch. When I contacted XXXX XXXX weeks back they informed me that they will add me to the dispute. After a couple of weeks with no changes I called again to request a statement from XXXX XXXX so that I can speed up things on my end. They sent me the attached statement so that I could use for my reasons. I see no room for rebutting or investigating outside of verifying the branch, number and personnel listed in the document to reach directly and request whatever is needed from them. Account # XXXX. This account should be corrected immediately with the no late payments and no balance owed and can be confirmed with simply directly reaching out to the branch and speaking to anyone with access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Wednesday, XX/XX/XXXX was the last time I physically used my card I notice on Saturday, XX/XX/XXXX I did n't have my card. I did buy food at XXXX through XXXX the night before Saturday. Saturday morning I immediately called the bank and alert them but between the XX/XX/XXXX and the XX/XX/XXXX checks were deposited that were not mine and money was withdrawn actually in a large amount {$3500.00} what ATM gives you that amount in XXXX transaction since then I have been disputing this issue going back and forth they finally unfroze my account I deposited some money since everything was cleared through the bank and more of my money was taken now they tell me I ca n't open up more claims and that I had no limit in pulling out money my understanding most banks the limit is {$500.00} I ask for your help I 'm a XXXX helping my parents my mother is XXXX so I help with my bills and some of theirs as well as my sister expenses as she is in XXXX still I 'm trying to make a better life and paying for school it 's sad how a bank took almost a XXXX dollars no emails no contact no calls bank personnel very rude no professionism situation jumps from one person to another please I ask for help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from AMSHER COLLECTION. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: CHECK INTO CASH INC.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Loan was paid in XX/XX/XXXX. In XXXX, 4 years after I moved from VA ( moved in XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by Check Into Cash representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan Check Into Cash had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that Check Into Cash is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from XXXX attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX Check into Cash contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
notice on my credit filed, a debt collection agency by the name Syndicated Office Systems, LLC, which does business as Central Financial Control sent a debt validation letter to debt collection by certified mail, Tracking Number-XXXX received on XX/XX/2015 with no response, follow up with a second letter of no response sent by certified mail Tracking Number-XXXX received on XX/XX/2015, to close this matter and remove from my credit file. with no response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Prior to the filing of foreclosure by Bank of America, we were told we had to be 60 days delinquent before they could talk with us. We filled out paperwork for loan modifications with Bank of America twice, and both times we were told that documents were lost and we 'd have to file again. We filed once with XXXX and the application was declined because I did not submit a driver 's license. I informed them that I do not have a driver 's license and was told there was nothing they could do. Bank of America filed for foreclosure in XXXX of XXXX. Towards the end of the proceedings, Bank of America 's attorneys managed to substitute XXXX as the servicer and created an assignment of mortgage to XXXX. Bank of America also convinced the judge to dismiss our counterclaims and grant Bank of America summary judgment. It has been our contention from the beginning that Bank of America 's assignment of mortgage from the originator, XXXX, was a fraudulent assignment and the facts of the case support this contention. We will attach the supporting documents. Our loan was securitized in XXXX of XXXX and therefore Bank of America 's purported assignment from XXXX could not be true. The note contains no endorsement to XXXX who purchased the note in XXXX, and then securitized it { by their own admission in answers to interrogatories ). Further, it can not be possible for XXXX to have assigned the note and mortgage to Bank of America on XX/XX/XXXX, if they had already sold the note to XXXX in XXXX of XXXX. The purported assignment from XXXX to Bank of America contains a notary signature that is illegible. This is an invalid signature under California notary rules. Also, the notary admits to having signed up to XXXX documents per day for Bank of America during this time period. This is commonly known as robo-signing -- something that Bank of America was sued for by all 50 States Attorneys General. Again, supporting documents are attached. A foreclosure judgment in favor of XXXX was rendered over our objections, due to fraud upon the court, on XX/XX/XXXX. We are appealing this order. A sale is scheduled for XX/XX/XXXX. We would appreciate any help from your agency, including possibly an Amicus Brief in Support of our Appeal. We do not believe there is time to stop the sale but your assistance in that regard would also be appreciated.

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 2015-05-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In late XXXX I contacted Wells Fargo Home Mortgage regarding a loan modification after several months of unpaid medical leave of absence. They advised me to just " pay what I can '' and that since I would be going through the modification process that I would be reported to the credit bureaus as paying under a " payment plan. '' This is in line with what they did in XXXX, when I modified as well. I entered into the trial payment plan, made each as specified, but I didnt complete the modification as I brought the mortgage current on my own. Wells Fargo lied about how my payments would be reported. Though they reported them correctly during my modification XXXX, this time they reneged on their promise. They reported me as 30, 60, and finally 120 days late, despite the fact that I paid them exactly as specified under the modification terms. This has wrecked my credit and put me in an awful predicament.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting a dismissed Bankruptcy that is damaging my credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating they are not reporting. This is already a public record and they do n't report to any credit bureaus. I am being penalized as if bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to inability to follow through due too declining health insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the relief or debt forgiveness

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 2016-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I HAVE SIGNED UP WITH XXXX, TO PAY OFF MY WELLS FARGO CC ACCTS., I WAS 160 DAYS PAST DUE, AND HAVE SENT THEM INFO FOR XXXX IF THEY HAD ANY QUESTIONS ON MY ACCT. 
INSTEAD ON XXXX/XXXX/16, THEY WENT INTO MY DAUGHTERS CHECKING ACCT. AND TOOK OUT {$960.00} FROM HER ACCT. WHICH MADE MY C. C. ACCT. UP TO DATE, AND KNOW THEY DO NOT WANT TO DEAL WITH XXXX TO PAY THIS ACCT OFF, I HAVE EXPRESSED THAT I AM NOT A ABLE TO PAY THIS AND IF THEY WILL PLEASE EXCEPT THERE OFFER, THEY THEY REFUSE, THEY HAVE SINCE TRIED TO TAKE XXXX OUT OF MY CH CHECKING ACCT, WHICH ONLY HAD XXXX IN IT NOW THEY ARE CHARGING ME NSF FEES FOR THIS, I DO N'T KNOW WHO ELSE TO TURN TO, THEY 'VE TAKEN FROM DAUGHTERS ACCT WHICH WAS SO UNEXPECTED, I HAVE EXPRESSED TO THEM SEVERAL TIMES AND HAVE WRITTEN LETTERS TO PLEASE SETTLE WITH XXXX, THIS IS THE ONLY WAY I CAN PAY THIS OFF, WITH SUCH HIGH INTEREST RATES AND FEES THE BALANCE IS NEVER GOING DOWN. 
CAN YOU PLEASE HELP. THANK 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 monetary relief
Consumer complaint received 2015-08-21
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled my credit from XXXX and noticed they were on my credit report. I have never done business with this company and they never sent a right to dispute. I sent them a certified l letter and and and they never responded. 

Please see the attached documents Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just hung up the phone again with experian credit reporting agency as there is numerous errors on my credit report. The customer service rep was not helpful and would not re-dispute previous information for me. My first complaint is XXXX account which I had submitted a letter directly from the bank stating that this account was never paid late. It is showing a late payment in XX/XX/XXXX. ( which is incorrect ). I submitted the letter to experian and it was corrected however yesterday XX/XX/XXXX I received an updated copy of my credit report and this account is listed with a late payment again so they re-inserted this wrong information. I asked the customer service rep to please re-dispute this for me and he told me I need to contact XXXX myself because it has been previously disputed. I contacted XXXX and was told I need to put my request in writing to have another letter for proof that this account was never paid late. I had this letter in my messages with XXXX shops but after 180 days the letters are automatically deleted. I am furious at the fact that this account is reporting as potentially negative and should go to a positive status in XX/XX/XXXX. This account was never paid late and it has been proven. Experian should have never re-inserted this wrong information again. My other complaint about experian is I wanted to request and account XXXX that is reporting as a charge off. I finally had it removed from XXXX as that too has been confirmed that this account was paid in full 2 years ago. Experian would not re-dispute it for me. My credit is extremely important to me and having an agent not assist me in my request is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed a public record appearing on my credit report on multiple occasions. I contacted the Bankruptcy Court at the address and telephone number listed on my credit report. The address that is listed for the court and telephone number appearing on the credit report are both inaccurate. I contacted the bankruptcy court and was informed that they did not provide the information listed on my credit report to Experian. I sent a certified letter to the address listed on my credit report for this public record and it was returned undeliverable.I have asked Experian to provide the name of the data furnisher or third party source who verified this information so that I can contact them directly. Experian refuses to provide this information. The date of filing, status, listed is completely untrue. This bankruptcy does not belong to me. I would like to see how this information was verified.

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