BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debts were paid in full, requested to be deleted from my credit report and debt collection stated they would not after they received payment in full. Contacted credited XXXX/XXXX/2016 Solomon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX and SS 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 2022-04-14
Company: Mountain Run Solutions, LLC
State: TX
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:
Mountain Run Solutions LLC has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both Mountain Run Solutions LLC and XXXX.I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. 

After several disputes and attempts to certify and validate an alleged debt, Mountain Run Solutions LLC has violated my rights.

Mountain Run Solutions LLC has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXXXXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX hired a law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXXXXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm XXXX and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX  and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I initiated a transfer of XXXX XXXX ( ( ~ {$15000.00} worth of the digital asset Binance XXXX ) from my personal digital wallet to the BinanceXXXX account wallet in order to sell the currency for cash. 

My personal wallet had two options for selecting which blockchain to use. I accidentally sent the XXXX assets via " Binance XXXX XXXX '' instead of " Binance XXXX, '' a confusing process which is not clarified on their website. The assets were not sent to my BinanceXXXX XXXX as expected, but instead went to a different wallet. 

Here is the Ethereum transaction ID which shows that the assets were sent to " XXXX XXXX XXXX '' which is an administrative wallet owned by BinanceXXXX. 
XXXX I immediately opened up a support ticket with BinanceXXXX to explain the issue and I provided them with the information and confirmation video/screenshots at their request. They said my issue would be eventually resolved and my assets would be credited back to my wallet, but it has been over 4 months and no resolution. 

Throughout this time I reached out via email multiple times, and multiple social media platforms. Support reps have said to me multiple that my issue was " escalated, '' but nothing has come from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Westlake Services, LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
West Lake Financial with rip you off ... I had my loan ( around {$4600.00} ) since XX/XX/XXXX interest at 29.9 %. I was excited because I could n't get a loan anywhere else unless I put more money down. My loan was for 34 month {$200.00} a month and I paid a lot more when I could to pay it off quicker. I made my payments on-time for years until I lost my job XX/XX/XXXX. I was caught up with my payments until the last month which it should 've been paid off. I called them to get an extension for the last payment which they said okay ( but they did n't ). Contract ended in XX/XX/XXXX the next few days later. They actually came and repossessed my truck before I had time to make the last payment. Yes they waited until my contract was up to repo my truck after having it for 3 years of on-time payments. There is no way my contract was up before my loan was paid off. I only had one payment left on the loan. I called them and they said I was making {$2.00} payments a few time on my account so my balance was {$760.00} without they repo. No one would give me answers on why and how this happen when my bank account says different. YES they said I made {$2.00} payments, not to mention it cost {$5.00} to even make a payment online. Why would anyone attempt to make a {$2.00} payment and be charged {$5.00} to do that. If I had the money I would get a lawyer to sue these scammers. They pretty much robbed me. Not only did they do that, but West Lake Financial have not been reporting my on-time payments to the credit bureau or correct balance/credit limit either. WOW right. And to say I owe them seven hundred and something dollars when I know they auctioned it off for over two grand. I am lost for words. Do n't get loans from them please. They butter you up just to eat you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC Bank, N.A. is refusing to send funds upon death of account holder. 

Account has a stated beneficiary listed and bank is stonewalling and requesting a new account be opened in THEIR bank in the name of the new beneficiary. 

All requested documentation has been furnished including confidential information which, in retrospect, may not have been required. 

The correspondence reference numbers are : XXXX ; XXXX. 

Correspondence and recorded telephone calls have been made. 

Demand in last phone call for funds payable to beneficiary. 

Bank is stonewalling and requiring an account be opened with possible fees. 

Calls to phone number XXXX can never be forwarded to appropriate personnel further stonewalling and frustrating collection efforts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Iam filing this complaint becUnder Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.Under Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.beacuse Equifax ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit Reporting companies XXXX  XXXX  and Transunion all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life

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 2021-04-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/2020, I left a XXXX XXXX at an organization, and there was a business credit card with Chase in my name. The organization required that the billing address be set by them, and I did not receive the bills at my home. However, the organization did not make payments on the credit card in XXXX and XXXX, and did not notify me that I had any payments due. In XX/XX/2020, after checking my credit score, I became aware of the issue and found out the payments were 90 days overdue. 

I had not received any bills, the organization had not told me any payments were due, and I had no way of knowing that there was a late payment due. In the 5 previous years of owning this card, there had never been any other late payments, and in my entire credit history of more than 15 years, I have not made any other late payments. 

Chase agreed to waive some fees and then I immediately made the payment. When I checked the account the next day, the fees had not been waived, and rather than deal with customer service again, I made an additional payment to cover the fees that Chase had originally agreed to waive. Chase then reported 2 different late payments to the credit reporting agency and my credit score dropped more than 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was just transferred. The new servicer ( PHH Mortgage ) offers NO OPTION for payment either online or via phone WITHOUT " processing fees. '' In the modern world, these are THE MAIN METHODS people use to pay. Are you telling me I can only avoid processing fees ABOVE AND BEYOND my monthly mortgage payment by using snail mail? Very manipulative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Chase promised us outstanding customer service and XXXX loan issues as Private Clients. We went through the application process and had everything set for closing. Our loan officer was a nice guy who tried his best to help us but our closing was awful. It was a 7.5 hr closing with our final CD only issued about 2-3 hours into closing instead of 3 business days before. We ended up wiring a substantial amount of money to an escrow account prior to closing based on the verbal instructions from our loan officer. We were not provided with the final CD as required by Fed law. The sellers attorney left after a few hours for another closing. Chase XXXX up the titling on our mortgage which affected our deed. Chase had our closing date wrong which would have meant a dry close on Monday instead of Friday. The title company officially closed at XXXX. The closer stayed until XXXX to try to get the loan done. Chase 's closer and loan department stopped picking up our calls or responding to emails and voicemails. Our IL closing was handled in XXXX. We ended up having to reschedule our move, we had to hire a dog walker since we couldnt leave the title company. We ended up having to take the entire day off work instead of the 2 hours allocated for the close. Chase didnt bother to send a representative to the closing. We ended up dialing everyone we could think of at Chase. I had a Chase branch manager try to get hold of someone to help us figure out how to get the correct info submitted. We had to sign the mortgage docs without very much time to review because of the time deadline and the pressure from the title company closing. The sellers were irate. We submitted a formal complaint the Monday after closing and didnt hear back from the Customer resolutions team until today. She hadnt bothered to review the file. I submitted phone records, copies of emails and a narrative statement to our branch manager who forwarded it to the loan officer and his superior. I would be happy to share those with your department. I could not paste that here due to the character limit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were part of the predatory loans in 2007 with Country Wide. We are now with BOA. My friend and I purchased the home and she moved out due to a marriage and what we thought was an impending foreclosure with a mortgage of XXXX. We were XXXX single moms trying to co-parent XXXX kids. I got behind but was determined to keep the house since I had invested my entire life savings of XXXX. BOA agreed to do a loan modification instructing us that if my friend signed a Quit Claim they would remove her name and lower the payement to XXXX. Now the payement is affordable but they tacked on the late fees, past due and additional charges and I owe XXXX ( I had only owed XXXX ). They refuse to remove my friends name and she can not buy or rent anywhere. We were told they would remove her name at loan modification and then at an assumption ( which I did not qualify for ). Second issue : I have had at least 15 Customer Service Rep. each one telling me something different related to payments, etc. Third issues : I can never get in touch with an automated attendant to make a payment. I get paid at the end of the month so I try and pay on XXXX. I can not get a CSR or auto pay. Therefore I started trying to pay online. Twice I was on BOA website for three hours or more ( I have snapshots and documentation ) trying to make a payment without success due to the site would not work and even once for two days a Friday and a Sat. causing the payment to post after the first. Again I have more than XXXX pages of documents, emails etc showing I have tried to call and corresponding with BOA. 
When I look online several other BOA consumers are still having issues. I feel we should have been forgiven principal as well as opposed to all of this tacked on the end and now can not even sell the home. I have hung on for dear life for nine years to avoid foreclosure as a single mom through the crash in good faith doing the right thing and I think BOA should as well.

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 2016-03-17
Company: M&T BANK CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Dear Sir or Madam, we are contacting you because we want to file a complaint with M & T bank out of XXXX, NY. M & T financed our XXXX XXXX, year 2013. The deal was lousy, a 15 year loan and that would be fraud. M & T took advantage of my sick and XXXX husband ( XXXX years old ). He is in poor health, has a terminal illness, XXXX besides other ailments. Please give him a call at your earliest convenience at XXXX. 
If we have to, we would be more then willing to also contact our local news station. Please advise us how we should proceed. We also have numerous other financial problems that would take to long to email. We appreciate you calling us back. My husband is housebound, he is always at home. 
Thank you A concerned wife our email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.

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