BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: The CBE Group, Inc.
State: MN
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 have an unfair negative factor towards my credit on my credit reports reported by CBE group. The information below for " Negative Factors of my credit '', indicates a collection agency CBE Group indicated in XXXX date filed or first reported and the date last reported was on XXXX as a negative factor towards my credit report. This is is false information and I 'm disputing it. 

The only payment dispute I had was in XXXX. Back then, I had discontinued a portion of my XXXX services that involves XXXX. I paid in full through XXXX for discontinuing the XXXX service XXXX that was offered through XXXX 's advertisement and payment through XXXX 's billing. XXXX came back to bully me for an additional {$250.00} to be paid to them while XXXX indicated as far as they were concerned I was paid in full. Prior to this, I had only had communication with XXXX for this TV satellite service and XXXX refused to correct XXXX. I then refused to additionally pay XXXX the {$250.00} and XXXX has haunted me since via various collection agencies attempts originated by them since XXXX. 

Now this new credit issue on my record ( see below ) indicates a new development in XXXX is absolutely false. If this new dispute of XXXX has originated by my past dispute with XXXX then it 's time for them to stop harassing me via by falsifying information as an attempt to lower my credit rating. I suspect there has to be a law that makes this criminal business practices or at the very least extreme negligence by XXXX whose joint venture with XXXX while both were acting as XXXX entity under XXXX advertising and billing. 

__________ ( info from credit report ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NEGATIVE FACTORS Your most recent collection account is 1 year and 3 months old. This only includes accounts from external ( third-party ) collection agencies. 
REFERENCE NUMBER INSTITUTION DATE FILED OR FIRST REPORTED COMMENT DATE LAST REPORTED XXXX CBE GROUP XXXX XXXX More Information Having a collection account reported in the recent past is considered negative, and the more recently this occurred, the larger the impact. However, your score can get better over time, as long as no other collection accounts are added to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On the morning of XX/XX/2021, I awoke to a withdrawal made on my EDD BoA debit card for the amount of {$5000.00}. As any sane person would, I immediately called the bank, waiting for over an hour to be helped, I finally got a pick up on the other line. I placed the complaint/dispute and was issued a new card which would take 7-10 business days. I waited a few days and received my card. As soon as I activated that card, I had an IMMEDIATE withdrawal for the rest of the funds in the account in the amount of {$2400.00}. I again call and was hung up on about 6 times until I finally got a nice rep and transferred to make yet another complaint/dispute. I was then allowed to make the dispute, then was told there was an online account attached to my said account. She stated I needed to remove that account so any further withdrawals could not be made. Why wasnt I told this the first time I made the complaint? I was told this until my account was at XXXX. I was then issued yet another card. Its been over 10 business days. I have not heard a word and I have nothing to pay my bills. With my electric bill due in 3 days I have XXXX to pay that off. BoA is saying the consumer has zero liability. I dont feel that way. To be fair, I also feel it was an inside job because they first tell me someone needed to call and make the first withdrawal, then to tell me its a linked online account making the said transfers. Transfers take some days, why werent they immediately refunded? BoA, you are failing.

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 2016-03-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I applied and received an income-driven payment plan for my student loans, which should have applied to all of them ... the adjusted payment should currently be {$0.00} ... Navient is trying to charge me {$200.00} per month still

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
JCPenney Credit Card serviced by Synchrony Bank. 

I am unable to get paper statements. 

JCPenney continues to enroll me in paperless statement without my permission or request. 

Contacted support and tried 10 times to enroll back into paper statements. I am unable to stay enrolled for paper statements.

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 2017-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from them stating I was n't responsible for paying the debt anymore due to the statue of limitations. I have requested information validating that I owe the amount on this account on two occasions and they have failed to do so. They notified the credit reporting agencies that it was validated, but proof has still not been submitted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Carter-Young, 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:
I have contacted Carter Young many times to inform them that the account that they are reporting on my credit file do not belong to me. I have submitted Fraud Affidavits to them and they still refuse to remove this account. I have no obligation to pay them for this debt. It is not mine and I have never open an account with them or any other facility in regards to this debt. Please assist me in getting this debt remove from my credit 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX or XXXX XXXX XXXX XXXX XXXX PA XXXX Original Creditor : XXXX  XXXX Account Number : XXXX Address : XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Phone Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXXXXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX 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 2021-10-12
Company: EQUIFAX, 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 am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX {$100.00} Account number XXXX Hard Inquires : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against JEFFERSON CAPITAL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: U.S. BANCORP
State: VA
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:
Since XX/XX/XXXX I have been receiving monthly statements at my home address for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not mine. I do not, nor have I ever, had any business with Towne Bank. Here is a history of the attempts I have made to get this corrected : XX/XX/XXXX : Called Cardmember Service at XXXX. Spoke with XXXX and explained what I received. She verified that this was sent to the wrong address and would correct it. XX/XX/XXXX : Called and spoke with XXXX and told her I was still receiving statements, and was very concerned with how this account got associated with my address, and concerned that they hadnt corrected it yet. She consulted with her supervisor and said they would try to contact the customer and get the correct address. She assured me this is not associated with me. XX/XX/XXXX : Called and spoke with XXXX, and explained what was ( still ) going on. She transferred me to supervisor and I was cut off. I called back and spoke to XXXX, who transferred me to her supervisor XXXX ( ID # XXXX ). I explained ( again ) everything that has gone on, and she said she would change the address to the business address. I have received 3 more statements since then ( the latest on XX/XX/XXXX ), and am over calling them to get this resolved. In this day and age of Identity Theft, this really worries me that they can not verify a correct address for a customer, can not get my address removed from the account, nor can they provide me with a positive email or letter to say they have corrected it. They have asked in several of the conversations that I simply disregard and discard the statements. When I requested they send me some sort of confirmation that they had corrected the problem, they said they could not do that. After multiple attempts to get this corrected, and assurances that it would be taken care of, it is clear they are unable or unwilling to follow up and correct this. Whether this is incompetence, laziness, or just complete lack of concern I do not know, but my biggest concern is that if this is their response to my problem, how would they prevent someone from completely stealing my Identity? They already have their statements coming to me.

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 2017-10-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my 3rd complaint on this company their are continuously going on up on my mortgage without reason. Last statement I received stated that I had a overage of {$38.00} with to me means {$38.00} too much. I also called them and tried to find out about my payments going up over the overage but, I keep getting the run around. I was not given the chance to pay the {$38.00} so that it wont be added into my mortgage. By law I should have been given that option. I have called 3 times in XXXX alone. No one has returned the calls I left with their account specialist. They keep putting me on hold and hanging up or just going to different voicemails. For some reason they keep doing escrow analysis on my account and going up on my mortgage. I have had 2 done in less than 6 months. I feel like their just trying to find a reason to go up on my mortgage. That law states that escrow analysis are done annually. Which is once a year.

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 2020-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, we ( myself and my partner ) submitted an offer to purchase a property that was listed for a short sale and being service by JPMorgan Chase with loan # : XXXX back in XXXX, 2020 and since then, It seems like Chase and the seller are discriminating against us because we have signed the counter offer of {$750000.00} for more than 3 months now and we are yet to receive an approval letter. Our agent and the listing broker are having difficulty reaching Chase and according to our agent, it seems like Chase and the seller might be working with another buyer regardless of the fact that our earnest money deposit have been in Escrow and still in Escrow since XXXX, 2020 and we have signed the revised purchase contract that Chase had advised the listing broker to provide, but the seller and Chase are not forth coming. We are confused and disconcerted at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This relates to case # XXXX. Bank of America escrows the money for homeowners insurance on my property in XXXX, NJ. I filed the first complaint when BoA refused to pay the invoice to renew the policy. They finally did so, several months late. This resulted in a gap in coverage, for which they billed _me_. They deducted {$99.00} from my escrow account on XXXX/XXXX/2016 to pay for ( retroactive ) insurance covering the gap when Bank of America failed to renew the policy. They did this despite sending me two letters that said I would not be charged because BoA was responsible for the insurance payment, and multiple verbal assurances from various BoA representatives that the matter was closed. They have not responded substantively to my voicemails ( for XXXX, a supervisor in the Insurance Department ) or customer service messages requesting a refund. This is a blatant example of a big institution abusing a customer, and refusing to engage to correct the error.

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 2017-08-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXXXXXXXXXX said my score has to be above 580 with XXXX and 4 trades line my score is way above that with way more than 4 trades line decline my loan for no reason so if my attorney file a complaint they will have decline same credit tier remember XXXX was sued b/c of discrimination for 100 millions of dollar!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$820.00} for a factoring company according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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:
XXXX XXXX XXXX - XXXX is a fraudulent account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to Afni, Inc and XXXX XXXX in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX 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 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a trial modification under the XXXX XXXX guideline, I was offered the standard modification XX/XX/XXXX. XX/XX/XXXX I ordered an appraisal and a letter was overnighted to Bank of America as servicer. I wanted to know why I was offered a 6.125 % when the XXXX XXXX as investor /owner offers 4 %. XXXX XXXX XXXX to Market LTV guideline indicates the interest rate is determined by the value divided by the outstanding balance. My numbers are $ XXXX {$190000.00} is XXXX. Anything above XXXX % then the rate is supposed to be higher. Every little bit counts at this point I have a lot of catching up to do financially. To date, my inquiry is unaddressed. I have put in calls to my Bank of America contact XXXX XXXX and no response. Since my loan was formerly in foreclosure I am only allowed XXXX point of contact that does not return calls or letters. Time is very limited as the official loan modification was to sent XX/XX/XXXX. Instead, I had sent an appeal with the original letter and appraisal. 
I would like Bank of America to return my call to discuss as I really do want a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief