BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: Collection Bureau of America Ltd.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had cancelled bottled water service with XXXX. They said they would come by and pick up the water cooler and XXXX remaining empty bottle. They would send me a final bill. 
Within a month i received a collection notice from Collection Bureau Of America for {$340.00}. 
I called them and they said I needed to return the cooler and bottle and then pay the balance. They would not know the balance until I returned the items. I called XXXX to ask what happened and they do not have my information any more and I need to call the Collection company to find out where to return the items. I called the collection company again and they gave me an address but did have a phone number!. 
This is now showing on my credit report as a collection item when XXXX was supposed to pick up the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.

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 2015-05-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
There was fraud committed on my loan when it was originated in XX/XX/XXXX. The loan origination company intentionally switched me as the primary borrower and made my ex-wife as the primary borrower and the mortgage company intentionally used the wrong social security number on the loan application as mine so that my debts would not show up on the credit report in order to qualify my ex-wife for the loan. 
As a result of this fraud, I have been unable to refinance the loan in my name since my divorce in XX/XX/XXXX because every mortgage company that I applied for a loan told me that the loan with Chase was not mine because it does not show up on my credit report. Consequently the loan has gone into foreclosure due to my inability to refinance at a lower rate. 

I have also submitted a complaint by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Seterus, Inc has not been able to explain material mis-calculations on my pay-off statement. Most recently, it refused me access to my account information such us the form XXXX. A representative of Seterus ( XXXX ) refused to talk to me and asked me to communicate to my lawyer when there has always been an authorization on file for me to speak with the representatives directly. I asked for the manager ( XXXX ) who XXXX also refused. Seterus, Inc has had a long track record of making errors, for example, my loan modification process was delayed by more than six months because of its internal process error. When I questioned the manager, he threatened me with not giving me the modification. This is a very bad loan servicer who does not care about the XXXX of money they are entrusted by the home owners. Seterus, Inc can easily cost a homeowner XXXX of dollars if it is not watched very carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: PARSON BISHOP SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested debt validation information from Parson Bishop National Collection and have not receive any legal documents that show they have the right to collect on this debt or where it came from. They have reported this un validated information to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 DONT KNOW IF MY LETTERS ARE NOT BEING LOOKED AT BUT I HAVE TRIED TO CONTACT THE CREDIT REPORTING AGENCIES ABOUT Credit Inquiries THEY DONT BELONGS TO ME. IF I DONT GET THEM REOVED I WILL SUE ALL THREE CREDIT AGENCIESD AND I WILL WIN.

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 2018-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I noticed an inquiry from XXXX XXXX that I did not authorize so I called Experian immediately. I was advised that I had to contact XXXX Bank using the information that they ( Experian ) provided on the credit report. I wrote XXXX XXXX on that same day, XX/XX/XXXX to remove the unauthorized inquiry using the address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX. This was the address provided by Experian. On XX/XX/XXXX, I received a " Return to Sender '' notice on the same letter that I sent to XXXX XXXX. I checked the address that I wrote on the envelope and it was exactly how it was provided on my Experian report. Therefore, because Experian is providing inaccurate information, I want the inquiry removed.

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 2018-07-09
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 and XX/XX/2018, I sent Midwest Recovery Systems a cease and desist letter via certified mail. they were signed on XX/XX/2018 and XX/XX/2018. 

On XX/XX/2018, I sent Midwest Recovery Systems another letter via certified mail that was signed on XX/XX/2018 To date, Midwest Recovery Systems, is still reporting collection activity to all three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Wells Fargo Bank XXXX XXXX. take actions which violated consumer financial laws, including engaging in deceptive acts or practices. see link : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-united-holding-group-affiliates-owners-for-illegal-debt-collection-practices/

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 2020-03-05
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Suntrust bank occasionally applies received payments for one month to a month prior. As a result they get XXXX payments for 1 month and no payment for another month. This results in late fees and a blemish on the credit report. Had multiple exchanges of messages with them via Suntrust internal " secure mail '' system. After I realized what they are doing and confronted them about it directly they did something really nasty. They blocked me from accessing Suntrust sites. Not only I lost the history of messages, but I also lost ability to check my statements, etc. Tried on many occasions contacting them via email, but I get automated response to use " secure mail '' for all communication.

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 2022-09-16
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company reports the as being a charge off and if it has done so and reported to the IRS, I have never received a 1099-C. If this is what happen, then if I am understanding right, they were required to send me this by XX/XX/XXXX of that year. If they did not report to the IRS, then I believe they should have to provide me information on when the last time they show I paid on the account from any credit card or banking account so I can verify with that institution

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 2016-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have been trying to get this debt resolved for over a year. When you call Portfolio Recovery Associates the Representatives mis represent themselves as being in the " Litigation Department '' as an Attorney, continually mis-represent not receiving my written dispute, transfer me to Managers that are not managers, tell me to call a Department that does not exist, tell me that a Vice President will call to resolve, without getting a call. 

They tell me that I am on a " reordered '' line and when I tell them that I am going to " record '' the call they wo n't speak to me. Today I spoke with no less then XXXX representatives and each lied in a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I had recurring loads set up on my prepaid card account. 

On XXXX XXXX, I had a scheduled load for {$200.00}. I went to a restaurant and left a tip. 

I came home to find an email informing me that the ability to load my account had been terminated for no apparent reason ( the customer service reps refuse to tell me why either ). The {$200.00} scheduled load did not go through. 

The amount in the account was enough to cover my meal, but when the tip posted it left my account with a - {$2.00} balance. 

Since XXXX XXXX, I have attempted to pay the - {$2.00} balance multiple times including multiple phone conversations. Serve will not allow me to load my account but consistently sends me warning emails that my account has a negative balance. 

I want to be able to pay them their {$2.00}, but they wo n't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I went ahead and placed two payments on this prepaid card from XXXX. The first one was on XXXX XXXX 2015 for {$450.00}, and I have my receipt, and this was supposed to be credited to the American Express Serve card. The second deposit was on XXXX XXXX 2015 for {$350.00} and at this particular time XXXX XXXX 2015, that 's when we noticed that there was nothing in the account and the account was closed without our consent, and we do n't know whom, because these people hide behind the phone. They told me that they could n't speak to me about this account because it was closed. I asked them if it was closed, where did the money go? They would n't tell me where they were located. I filed two inquiries and have gotten no information. I filed a complaint with the FDIC and they stated that they could n't help me and said that you guys have jurisdiction over this issue.I do have the receipts to validate and verify the matter. They refused to refund my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There are 4 payments that are counted as " ineligible '' from FEDLOAN towards my loan forgiveness program. It was during the grace period/forbearance period at the beginning of medical residency. I believe these should count.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
FIRST FEDERAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FIRST FEDERAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FIRST FEDERAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I tried to use the advertised return benefit protection on my card for a purchase made on XX/XX/2020. Its an absolute pain to start a claim with WF because they're website and claim forms are all directing to different phone numbers with terrible customer support and missing key information eg. where to send documentation for a claim. 

I received an email after submitting the claim from XXXX XXXX  @ XXXX XXXX ( apparently two separate benefit providers for the same WF XXXX card protection ... thats 4 different companies involved for one benefit ) and was told to call a phone number for instructions. After over 2hrs and 10+ phone calls being bounced around by offshore customer service reps, I got disconnected for the last time and gave up. This is a terrible experience trying to send in the item that I opened the claim for. The last rep said " my contract had expired '' ... what contract? I submitted a claim ... I dont have any contract. I was then sent over to a contract team where I was promptly hung up on.

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 2021-11-26
Company: OPORTUN FINANCIAL CORPORATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX FAILED TO PULL XXXX AND NOW MY CREDIT FILES ARE BLOC KED. THEY HAVE BOTH COLUTED AS DECEPTIVE AND VIOLATED FCRA 15 U.S.C. SECTION 1681g DODD FRANK ACT ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Westlake Services, LLC
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I previously applied for Citi Aadvantage Platinum Credit cards and earned rewards points with XXXX XXXX by using these cards for purchases. I also earned rewards points by flying with XXXX XXXX and by purchasing miles or gift cards directly through the airline. I still have unused XXXX XXXX gift cards.

However, I received a notice this year that my XXXX XXXX account would be terminated, effective immediately, and all rewards, earned or purchased, would be revoked. The explanation provided was for fraud, misrepresentation and/or abuse of the AAdvantage Program. This is unsatisfactory and sets a terrible precedent that a company can sell rewards and benefits to consumers, and then their partners can revoke them at any time for any generic/blanket reason, and consumers are left without any options after having spent time and money buying and earning those rewards.

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX  XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX  XXXX  XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}

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 2021-10-03
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX Have been Victim of identity theft. I have called this company many times about this problem. This company EOS CCA is a debt collection agency I do not own them any money. I have never hear about this company and this company is reporting that I owe them money to the 3 credit report companies that I owe them money. This company has been harassing me with phone calls, letters, and threatening me.

Company response to consumer: Closed with explanation