BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
My credit score appears to have a hard inquiry on a line attempt with Target. I have never attempted to achieve credit with this company and would like to have this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: GA
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CHIME this scam of a company, put my account on hold without letting me know. Now they want a picture of my social security card that I as a victim of fraud am not obliged to give them and they want my social its a violation of FCRA! They put my account on hold and holding my money I have insurance Ach and other ACH that if they will bounce they will be subject of lawsuit. You have to stop this mafia! I gave them federal ID plus my bank statement! Now they dont have the right to ask me anything, when I opened my account nobody wanted any of these documents. Im on the line with them for 1,5 hours they dont answer the phone, dont respond to emails only after 3 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I dispute all those bills because I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
PLEASE REMOVE MY NAME FROM COLLECTION AGENCIES. THANKS! 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
These accounts are to old to still be reporting on my credit. Please remove

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 2015-11-25
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got a collections notice from a company saying I owe money. I sent them a letter stating that " Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts:1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Connecticut ; 4. proof of the last payment made on the account. '' The company responded with a letter stating " we have notified the client of your dispute and they have verified the information on this account to be true and accurate ''. There was no proof, nothing in writing, no proof of payments. Are they allowed to show this as proof ... saying that they contacted the client and they agree that it is legit? How is that possible? 
I had many problems with XXXX XXXX and my billing issue, including sending the bill to the wrong address. XXXX claimed they fixed the issue, but after 6 months I decided that I would call and complain weekly until the fixed it. They ended up waiving my bill because this issue was going on for about 9 months. The last person that I spoke to said they would waive my bill, but I told them to cancel my service instead. I think this was XXXX XXXX 's way of getting back at me for cancelling my service with them. I was told this bill would get waived. I 'm sure they have that recorded somewhere in their file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: VW Credit
State: MD
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:
I had one of the XXXX diesel vehicles that was bought back in XXXX of 2017. The account still reflects being open on my credit report when it should obviously be a closed account. The balance reflects XXXX  which means it was updated appropriately, but the account there is no reason for the account to still be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: The CMI Group, Inc.
State: TN
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 recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Contacted our lender, Mr. Cooper, via their online messaging center to notify them that they had the incorrect parcel number for property taxes associated with out escrow account. They responded to say they would be in touch soon. We were never contacted and no further action was taken. 
XX/XX/XXXX : Mr. Cooper paid the wrong property taxes from our escrow account Early XXXX : My wife called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. They said they would research the matter. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : We were assessed a late fee on the late property tax bill. 
XX/XX/XXXX : Contacted the XXXX XXXX tax collector. They said only Mr. Cooper could cancel the mispayed tax payment. 
XX/XX/XXXX : I called Mr. Cooper regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. Somebody named XXXX in XXXX Texas was going to follow up with the tax department. No further action was taken by Mr. Cooper. 
XX/XX/XXXX : Contacted Mr. Cooper again regarding their failure to pay our property taxes and the funds that were misappropriated from our escrow account. XXXX in Texas said she was submitting a request for payment to go out immediately and for a refund to our escrow account. To date the taxes remain unpaid and no refund has been received. 
XX/XX/XXXX : I began corresponding with the XX/XX/XXXX account on XXXX. I have been told they are researching the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company that is servicing my loan ( Shellpoint ) holds money in an escrow account. They are supposed to disburse my property taxes and homeowner 's insurance from this account when due, but so far they have not done so. The XXXX XXXX County tax collector website currently shows my tax as past due and my XXXX insurance agent says a payment has not been received, which would essentially mean my home is no longer insured. I have called them repeatedly to discuss this situation and no action has taken place. How can they hold my funds and not make these scheduled disbursement, the result of which is increased risk to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: URS Holding, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill for {$2100.00} from J.C.Christensen & Associates, Inc.for a bill at XXXX : XXXX Consumer. 
Original Creditor : XXXX XXXX XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
J.C. Christensen & Associates Inc. were threatening when I called their toll free number XXXXXXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a XXXX transfer of {$210.00} through my mobile Bank of America app, to a believed to be legit business on XXXX known as, XXXX XXXX. 

On XX/XX/XXXX I made another transfer to XXXX  XXXX  for shipping cost through USPS. 

On XX/XX/XXXX I received the goods purchased through XXXX XXXX, the site advertises selling authentic name brand clothing and shoes. Upon opening the product, I realized the provided product was what I ordered nor was it authentic. I immediately contacted the seller, approximately 3 hours after the delivery. I told the business that I will be returning their product back to them the same day and that I would like a refund. The business had since continued to respond to my email, but will not ensure my rightful refund. 

This same day I contacted Bank of America, the specialist on the phone gave my a number to talk with the disputed charges team for XXXX. I told the specialist that I do not understand why if I sent my money from Bank of America why I needed to go through someone else for my name. It is the weekend and I am unable to call XXXX, and Bank of America has not offered any help as to how I can get my money back. I have reported this business to the FTC and will also be filing a police 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 2017-09-26
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS CAPITAL ONE AUTO FINANCE IS CLOSED ENDED AND CHARGED OFF AND XXXX  AND XXXX  CONTINUES TO UPDATE THE REPORT. THEY CAN NOT HAVE LATE PAYMENTS, PAST DUE, NO LIMIT, NO PAYMENT STATUS AND NO BALANCE UPDATED AFTER CLOSED THIS IS A VIOLATION. 
XXXX  XXXX XXXX XXXX REPORTING THE SAME ON XXXX  XXXX XXXX REPORTING LATE AND WAS NEVER LATE BUT THE REPORT SHOWS PAID AS AGREED THIS IS A VIOLATION NEEDS TO BE REMOVED XXXX XXXX XXXX XXXX-CLOSED ACCOUNT ON XXXX  DIDN'T BELONG TO ME AND THEY WONT PROVIDE ME ANY INFORMATION THAT THIS BELONGS TO ME. I HAVE SENT TO XXXX  A SIGNED AFFADAVIT AND THEY STILL SAY THIS BELONGS TO ME AND WILL NOT PROVIDE ME ANY PROOF OR DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my credit Score The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15 H RS A WEEK every Week trying to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling a dress and the person posed as a buyer interested after we agreed on the prize and payment thru XXXX on Messenger I got an email that I needed a guarantee money in order to use my XXXX account because it was my first time using it for such a big amount and they had charged her account for me to refund her the money and then the deposit will include the purchase price and that additional amount. I have enclosed pictures of the emails I have then on my phone to file a police report. 

After I got another email saying that they had made a mistake and charge her account twice to please send the money again to fix the problem that otherwise I was not going to get the money for my dress not to worry that my money was safe with them ( XXXX ) I send her the money again ALL THE EMAILS WERE FAKE posing as XXXX. 
It is the first time I deal with XXXX selling something in my life and I fell for it, All the emails were fake and I sent her the money thru XXXX and now, the bank said they can not help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX (  XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting

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 2015-06-22
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification through Shellpoint Mortgage Servicing on XXXX/XXXX/15. We received a letter dated XXXX/XXXX/15 advising that they received the complete modification packet and it could take 30 days for a response. The letter also said that " your property would not be sent to foreclosure or if it had been started, we will not initiate a foreclosure sale. '' We received a letter dated XXXX/XXXX/15 from an attorney 's office stating we were in pre-foreclosure status. I called Shellpoint on XXXX/XXXX/15 at which time I was advised that we were denied for the modification and our only options were a repayment plan, short sale or foreclosure. We wanted to try a repayment plan however, he said there would be legal fees added in. I did n't think they should be because his letter said that it would n't be sent for foreclosure until a decision was made. He said I could send in an appeal letter disputing the legal fees being added to a repayment plan so I sent an appeal letter on XXXX/XXXX/15. I called on XXXX/XXXX/15 & XXXX/XXXX/15 and was advised it was still pending a decision in the escalation dept. We received a letter dated XXXX/XXXX/15 on XXXX/XXXX/15 from the escalation dept advising that our request for a modification would remain denied. I called on XXXX/XXXX/15 and stated that we were appealing the legal fees ; the customer service rep said he recognized that and was sending it back to the escalation dept for review. I called on XXXX/XXXX/15 checking status and to try to make a payment ; I was advised that it was still pending and that we were not " allowed '' to make a payment. I also confirmed again that foreclosure proceedings were on hold. We received a letter on XXXX/XXXX/15 from the attorney 's office advising that there is now a sheriff 's sale date for our property. I called Shellpoint on XXXX/XXXX/15 and he said the decision was still pending. He also said that the " sheriff 's sale was n't until XXXX/XXXX/15 so we should have a response from the escalation dept by then. '' I asked why there was n't a hold on it and he could n't say. I called the attorney 's office right after and she said there was no hold on our file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is attempting to collect a debt that is not owed, putting me further behind during a worldwide pandemic and damaging my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was an XXXX XXXX. Due to the COVID restriction, I wasn't able to enter into USA and had to stay in my home country. I stopped using my BofA account. Then I was charged monthly maintenance fee and withdraw limit fee, overdraft fee in the amount of {$330.00}. I have attempted to call BofA to close my account and request fee waiver via international phone call, but the request was declined immediately. 

here are the charges details : Date Description Amount XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$40.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$20.00}

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 monetary relief