BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

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 2017-04-19
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were charged a late fee of {$35.00} concerning our  XXXX  payment.  Fay Servicing po sted the payment on  XXXX   XXXX , but the check was cashed on the  XXXX . I have twic e e mailed them copies of the bank statements to attest to this fact and they  will not remove the fee. At the appropriate area of this form, I will copy and paste a 6 month payment history from my bank,  XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receive d 4 call s so far from  Focus Receivables Management   XXXX   XXXX   XXXX . Twice I tried to return their call all I got was person not in or person is on the phone. To day I left a message  Do Not   Call send me a letter with all the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: JH Portfolio Debt Equities, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a letter from Credit Control LLC on   XXXX   claiming they are collecting a debt in the amount of {$460.00} from an account in my name from   XXXX   XXXX  . I do not owe this, so I contacted Credit Control LLC immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  XX/XX/XXXX  and filed a complaint about this issue. Credit Control LLC responded to me through online portal for CFPB on  XX/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation.  XXXX  days have past I never received validity of this claim. However, Credit Control LLC has reported on my credit file under the name Credit Control LLC and also under the name  XXXX   XXXX   XXXX  as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a   XXXX    digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me  XXXX  with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after  XXXX  days has not given me any validation to this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/XXXX at XXXX XXXX. I called customer service with a question. Asking why I couldnt see my XX/XX/XXXX transactions. They informed me they would put a ticket number about the problem and have someone call me back. I never heard back from them. So on XX/XX/XXXX at XXXX XXXX. I called about the problem. I was informed that I couldnt go back that far on line. They would have to send me a copy through mail. As of XX/XX/XXXX I have yet to receive my transaction from XX/XX/XXXX which I dont understand at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have IRA with NAVY Federal Credit Union and the balance is not correct so I requested copy 's of all withdraws, and they disabled ; my account so I have no access to my account, nor was I provided copy of withdraws base on the balance there funds are missing. They refused to provide requested in formation and then disable my account in questionable. This is a new compliant and they are not working on it How much more time will you give them to resolve the other compliant, you time limits means nothing to them or you as it appear I hope this is not a repeat of you action during nothing as rrequired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First Financial Mgmt is  attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Blockchain.com, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Blockchain.com this is my ticket # XXXX that I sent on XX/XX/XXXX and not one response back this ticket sums everything up! Where do i even begin?! So I first verified my account so I could swap deso for btc then after I do that you say I need to verify again so I send all docs in perfect clear condition and i get my 2nd congrats email saying im FULLY GOLD VERIFED so I log on to app because I want to send my btc to another wallet but guess what yep you guessed another verification! So i send docs back in FOR 3RD TIME and get email back saying CONGRATS YOU ARE NOW FULLY VERIFED GOLD LEVEL YAY! So that's XXXX XXXX and XXXX ive received emails saying CONGRATS FULLY VERIFED GOLD! Now im thinking finally can send my btc because you have been holding my funds hostage for almost two months and ive lost around XXXX dollars so far becasue of this hostage situation. Well i go to send btc for a 4th time and get he error please contact support you need verified! WOW!! So i send docs back in for a 4th time and now you have simply ignored me and havent heard from you in 3 weeks! Ive had a ticket in since XX/XX/XXXX and not one response besides the bot response saying you got my ticket! This is UNREAL I don't know how in the XXXX you get away with such TERRIBLE businsess practices but this is uncalled for! On top of that I am verified XXXX ( atleast app says I am ) so I should be able to send and recieve {$1000.00} dollars of btc and swap the {$1000.00} dollars crypto to crypto per month ( NEED GOLD TO SEND HIGHER AMOUNTS ) well you guessed it swap dose n't work nor does sending btc lower amount get error please contact customer support! So please verifiy my account for the 4TH TIME FOR REAL THIS TIME SO I CAN SEND MY BTC TO ANOTHER WALLET! I have 3 emails of proof my account has been verified 3 times!!! You have held my money hostage long enough! Please be a good business and fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX   XXXX   - Ban k of NY Mellon i s the financial institution that managed my  HSA  account while I was employed with my employer. I resigned from my employer  XXXX   XXXX  and still had a balance of {$46.00}. However, in  XXXX   XXXX  I noticed that   XXXX   XXXX   had deducted a " maintenance fee '' of {$3.00} in  XXXX ,  XXXX  and   XXXX   XXXX   XXXX   without my authorization and the company did not notify me. I called   XXXX   XXXX   to complain to the company, only to be given the runaround by two agents. The first agent I spoke with on  X/X/XXXX  intentionally hung up on me when I kept asking questions about why they were taking out fees. I immediately called back   XXXX   and wasted another 35 minutes with another agent. I disputed the " maintenance fees '' and requested a refund of {$10.00}. Ten business days later, on  XXXX / XXXX / XXXX  I called again and was told my request was denied by operations. They claimed there was a minimum {$1000.00} balance and my employer used to pay the maintenance fees. They claimed this fee schedule was sent to me via mail in my Welcome Kit? Although, they have no proof that I was sent this information.     I requested the operations denial decision in WRITING and they refused to provide me with this decision in writing. I asked  three  times, and then I asked to speak with a supervisor, and the  XXXX   XXXX  agent intentionally hung up on me. I called back and spoke with a customer service rep "  XXXX  '' and I asked to speak with the supervisor again. After 21 minutes on hold, I was finally transferred to supervisor "  XXXX . '' I asked again for something in writing via secure online message or hard copy letter regarding the reason for denial of my maintenance fees to be reversed, and she refused. She stated " wet just do n't send letters. We are n't required. '' I also supposedly had a {$.00} " overdrawn '' balance even though it was 0 balance when I spoke with  XXXX   XXXX  on   XXXX   XXXX   XXXX  . After much back and forth with  XXXX , she continued to refuse to provide me in writing why they denied my refund request of {$10.00} which is my PRE-TAX health savings money. I feel this is a shady operation that needs to be investigated for their dishonest practices, and I want my money back. I told her to close the account because otherwise  XXXX   XXXX  would continue to deduct the " maintenance fees '' from my account even though it had zero balance, and I am not going to continue contributing to the  HSA  account. I am not satisfied with the way my calls and account were handled, and I would like someone to investigate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midwest Recovery System  are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on   XXXX   XXXX   XXXX    . She was n't able to give me much detail about the account. All she knew that it was from   XXXX   XXXX  . I had never heard of   XXXX   XXXX  . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting repeated calls from a company call ed CMRE Financial ser vices saying they are trying to collect on a debt which does n't exist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XX/XX/2021 my mortgage loan servicer changed to XXXX XXXX ( Lakeview ). The previous servicer was XXXX XXXX. On XX/XX/2021, I made a payment in the amount of {$1700.00} to XXXX and that payment was applied to the XX/XX/2021 payment. The loan was then due for XX/XX/2021. However, this payment was never sent to XXXX XXXX ( Lakeview ) when the loan was transferred, and XXXX was under the impression that I still had a XX/XX/2021 payment due. I made several contacts to XXXX XXXX ( Lakeview ) to correct this error in phone calls and through service tickets ( ticket numbers XXXX, XXXX, XXXX ). I filed a consumer complaint against XXXX under CFPB Case # XXXX to send my payment to XXXX ( Lakeview ) XXXX On XX/XX/2021, XXXX finally sent the funds to XXXX ( Lakeview ). However, to this day, XXXX ( Lakeview ) still has not applied my {$1700.00} to my loan.

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 2021-12-11
Company: Mountain Run Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MOUNTAIN RUN SOLUTIONS LLC has reported me to credit bureaus for a contract that they claim I owe from XXXX for {$700.00}. The claim and contract is fraudulent. It's not mine nor do they have any information to tie it to me except a fraudulent contract not filled out or signed by me. They continue to intentionally cause harm to my credit rating in an attempt to extort money. I have never heard of the claim until now. 

MOUNTAIN RUN SOLUTIONS LLC ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I suddenly see an account in collections on my credit report which has not appeared as an open account for a minimum of 5 years of checking my report. Also, I have not been contacted by the originator or the collection agency regarding this debt - it simply appeared on my report out of nowhere. This account only appears on   XXXX   - it is not listed on  XXXX  or  XXXX .

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 2017-04-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Late fee

Complaint:
Last month  (   XXXX   XXXX   ), I  had an outstanding balance of {$23.00} on m y GAP Visa c redit card. I did not make any new purchases on the card that month. I was charged a late fee of {$23.00}. Interestingly, this is the exact amount of the amount owed on the card!! Is this even legal?? Plus I was charged a minimum monthly interest fee of {$1.00}, so the total fees for the month were {$24.00} which exceeded the outstanding balance on my card. I do n't understand how I can be charged fees that are higher than the amount owed on the card. Please help!

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 2017-04-14
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Submitted a BBB Complaint on  X/X/2017    for  Debt Validation  to  XXXX .  XXXX   XXXX   XXXX   XXXX  and was forwarded to the business the same day on  XXXX / XXXX /  XXXX  . The company did not respond until  X/XX/2017    and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practice s Act, 15 USC 1692g Sec. 809 ( b ), the  company can not report my account to credit reporting agencies until the debt validation is provided.   XXXX   XXXX  eported this account to   XXXX   and  XXXX  on  X/X/2017   . The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Issues with Equifax 's reporting on XXXX : Account has too many inconsistencies which is being reported inaccurate. 
Unable to show method of verification for this company Does not provide sufficient information on this company Has NOT conducted a proper investigation per the last date of activity The ONLY reporting agency showing this company on my credit report while XXXX and XXXX is NOT reporting. 
Inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$6400.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$48000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've reached out to this company several times in order to receive verified proof that this is my debt, that this company is legal obligated to collect on this debt etc. The company has failed to respond in the 30 day time span they are allotted on many occasions. I've been reaching out to NCA for their violations of the FDCPA. This account has been re-aged and placed back onto to of credit reports. This account is also passed the statute of limitations for collecting a debt in the state of Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like Equifax to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Adler Wallach & Associates, 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:
I have an account reported to my credit file as an unpaid debt. reporting company is AWA collections when I look at it on my credit report it states debt was from a bank in XXXX Tennessee. I have not lived in Tennessee in 15 years. I feel this may be Identity theft As I am completely sure this debt is not mine. 
Debt was reported on my credit report by AWA collections XX/XX/2019 then updated on XX/XX/2019 I disputed the debt and the only response I have received from XXXX is that AWA verified the validity of the debt but I still have no proof from anyone that this debt is mine. 
I have no documents from anyone to provide as this is not my debt

Company response to consumer: Closed with explanation