BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a discover credit card holder since 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

This was my XXXX credit card that established my credit history as of 2012. 

XXXX months ago, without any warning and notice in advance, the company closed my account ( and also my checking account with Discover XXXX and thereby severely affected my credit profile and credit score. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX without a just ground. I believe that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX XXXX, I received a letter from American Medical Collection Agency that I owed an unpaid debt to XXXX XXXX XXXX XXXX in the amount of {$110.00}. Despite writing to the Agency asking for proof of the debt, they reported the debt to all XXXX credit bureaus. 

I was surprised to learn of this collection debt after I was denied a mortgage. Upon contacting the company, I was told that I had an outstanding balance of {$110.00}. I was told by XXXX of the representatives that if I wanted to settle this right away, I would have to pay additional processing fee, equaling a payment of {$110.00} which I made on XXXX/XXXX/XXXX, Confirmation # : XXXX ( please see attached ). 

Upon reviewing my past credit report, I noticed that the debt was reported in collection as of XXXX/XXXX/XXXX. Upon further investigation of my records, I noticed that I had previously filed a complaint against the Agency on XXXX XXXX, XXXX, after the credit bureau found that the debt was not valid. 

As you can see in the attached letter from the company dated XXXX XXXX, XXXX, they agreed to close the account and have it deleted from all three credit bureaus. 

From XXXX XXXX to about XXXX XXXX, this item was not being reported with any of the credit bureaus, nor was I contacted by this Agency or any other company about this debt. 

I am attaching proof that this debt was never mine, and in fact the company agreed to remove it from credit report. 

I have paid this company {$110.00} that was never owed to begin with. I am asking that you please investigate the illegal activities of this company. In addition, I am asking that they refund me the {$110.00} that was paid to them on XXXX/XXXX/XXXX. In addition, I am asking that the Agency grant me any other remedies available due this company 's unlawful collection activities. 

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 2017-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreci

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Exeter Finance Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. 
( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. 
( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. 
( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receivable Solutions has reported incorrectly. Each time we try to talk to them we get threatened. Last year they had reported duplicate accounts. Now those accounts are removed and XXXX account has been reported of over {$6000.00} the dates are wrong and the amount is wrong. Yet they will not talk with us even in order to set up payment schedules.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Placed {$350.00} Medical debt on my credit report unwilling to send me any more correspondence even though I never received any in the first place. Spoke with ladies named XXXX unwilling to except Payment arrangments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NY
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 called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
AES now holds most of my private loans. They refuse to send one statement with all of the loans and loan amounts on one statement. Instead I get a series of confusing and contradicting information. They also will not help me to navigate the pursuit of discharge because of my XXXX, I continue to ask by phone and in writing for straightforward instructions on the discharge process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a first and second mtg with Suntrust Mtg co from XXXX Va. 
In XXXX XXXX I applied for a Mtg modification. I requested a mtg modification due to reduction in income from retirement. On XXXX XXXX, XXXX I spoke by phone with the modification debt, XXXX and XXXX, they advised of additional information needed. They were n't really helpfull just reading from a script. Then on XXXX XXXX I received a letter indicating that my application for modification was turndowned. How can one day add info is needed and then it 's turned down. I 've called for the rep assisgned to my application but never able to get thru ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Bronstein & Weiss Arbitration
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This agency has repeatedly violated my rights under the Florida Consumer Credit Protection Act ( Fla 559.27 ). When they were notified back in XX/XX/XXXX, they sent a file to a XXXX. They are again pursuing collection in violation of fla law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I disputed a debt the debt collect witch represent themselves as law firm is in the business of collecting debts. I disputed the validity of the debt and requested specific information to validate the debt. I provided proof of why I disputed the debt and questioned the financial charge they were attempting to collect and asked the collector to validate the debt. I sent my request in writing and return receipt. Proof of that mailing I also requested the collector after XXXX XXXX, 2015 only communicate with my attorney. Provided contact information in that letter of my attorney. As of the filing of this complaint I have receive to demands for payment directly. The letters are carefully crafted to give impression that legal action will be taken but the debt has not been personally review by an attorney. The letterhead represents themselves as attorneys. 

These demands for payment states that I also failed to respond to request for information this is also a false statement. 

I have include copies of both mailing from the collector and my responses to the original claim of the debt. I had to mail them twice be there was refusal to accept my original and it was returned to me. 

I have included scanned copies of the returned mailing both of my letters. This firm has violated the act by communicating directly with after I specifically request them to address there responses to my attorney. 

If you will provide me with an email address or other process to send you copies of following:1 USPS returned receipts2. Copies of USPS receipts that have deliverary tracking numbers3. additional copies of letters sent to collector4. Copies of letters received from collector after my letters requesting they only contact my attorney5. Copies of my letter to my attorney that I requested them to be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-10-21
Company: SUNTRUST BANKS, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust bank not only charges you overdraft fees but after 5 days they charge additional overdraft fee. I have never heard of this nor has any other bank I have deal with does this. I think this is total unfair

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 2015-11-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I obtained loans through XXXX being service through American Education Services, which I entered repayment in 2008. My original repayment agreement stated a repayment term of 10 years. Recently, I requested a foreberance for 1 month where I noticed that the term had been expanded to 155 months. Further, they have used the forbearance as an opportunity to reset my repayment term. I did not request this and it provides them with an extroordinary interest payment windfall. This needs to be looked into as none of it has been authorized nor has notice been provided in any loan documents during the disbursement process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: E*TRADE BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/15 my atm card was lost/stolen in downtown XXXX. Later that night {$1000.00} was taken from my account in several large ATM withdrawals, which were not authorized by me. The next morning I was informed by card security that there might be fraud on my account and proceeded to cancel my card. I filed a claim with E*Trade in writing and after 6-8 weeks they denied my claim in a letter saying the transactions were authorized and therefore will be upheld. When I asked in writing what was their evidence for the transactions being authorized were, they replied with " any documents used to investigate your claim are proprietary ; and therefore can not be provided ''. I would like to see their evidence and if possible ultimately get my {$1000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: PulteGroup, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was pre-approved by Pulte Mortgage to purchase a home from Pulte homes. ThisThis pre-approval was based on me fulfilling several things. My incomeneeded to be verified, I had to defer my student loans for a year, and I needed tpay off XXXX credit cards. I paid XXXX payments of {$500.00} each to Pulte as a downpayment and they told me my house would be complete by XXXX orearlier, but then told me it would be XXXX. I had picked a base modelthat only had some cosmetic changes like flooring and cabinet color. Thehouse was framed when I started losing hours and was afraid of losing my job. 
I immediately started looking for a new job so that I could still buy the house. Iended up losing my job and informed Pulte. I did get hired a week or so later, and would be starting a new job for less pay about 2 weeks later. I was toldby Pulte Mortgage that I would not be approved because of switching jobs andmaking less money. They told me I could apply with a co-signer but may stillnot be approved. I was told by Pulte homes that they were not returning my {$1500.00} because my mortgage was approved and I had defaulted. I neverreceived anything from Pulte Mortgage that I was approved and they hadnever even verified my income. I was also not able to pay off the credit cardsdue to reduced income because my hours were cut and I was makingpayments to Pulte. I also had yet to receive anything from my student loans toshow that they were deferred. During this time I received a call from Pultestating I needed to pay {$500.00} for an appraisal on the home. I told her I didn'thave {$500.00} and she said I could use a credit card. I told her I needed to payoff the credit card as a condition of my mortgage. I was told there would be no cclosing costs and did n't understand why I had to pay for an appraisal on ahouse that was n't even built. I asked Pulte Homes for my money back andwas told that they did n't have to return it because my mortgage was approved aand I was in default. I explained that I was only pre-approved and was n't able tto meet the conditions of the mortgage. I was left with no job and no money. 
Pulte offered to put my money toward the purchase of a home at a later date, but I will never buy a house from them. I just want and need my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage sold my mortgage on XX/XX/2017 to XXXX but DID NOT notify me. I found out my mortgage had been sold when I received a statement from XXXX on XX/XX/2017 stating that I was my XX/XX/XXXX mortgage payment was late. Shellpoint accepted my XX/XX/XXXX mortgage payment on XX/XX/2017 and as of today, XX/XX/2017 HAS NOT forwarded that payment to 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 2017-03-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a customer of Shellpoint Mortgage Servicing and have had issue with my escrow account since XX/XX/XXXX. Initially Shellpoint did not pay my village property taxes when they were due in XX/XX/XXXX, even though they deducted the money from my escrow account. I did not find out that this occurred until the XXXX sent me a letter stating I was in default and if they were not paid, my name was going to be printed in the newspaper. I immediately contacted Shellpoint on XX/XX/XXXX and provided a copy of the letter I received from the village. XXXX days later they paid my taxes ; HOWEVER, they deducted the money from my escrow account AGAIN and never gave me a credit for the tax bill that was never received by my village in XX/XX/XXXX. At that point they reanalyzed my escrow account and increased my payment because my escrow account was short due to their error. I am owed {$1800.00} back into my escrow account and my payment lowered to its previous amount. I have called customer service now 3 times to get this fixed and every time they tell me it 's being escalated to a supervisor, but I have seen no correction and have yet to receive a phone call. I want this fixed immediately and a phone call confirming this. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation