BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-06
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While working in XXXX several years ago I stayed at an apartment complex called " XXXX ''. After fulfilling my lease obligations, I moved back to my home in XXXX were my family stayed during this two year long work assignment. I paid my last lease payment in full, professionally cleaned the apartment and did not think anything else was owed. A month later I went to the apartment complex and turned in my gate pass which I accidentally took with me and took to the day manager, we were friends. At that time there was no information shared on any money owed from my lease and I did n't expect there would be any. I received regular email correspondence from the XXXX complex about social activities and nothing about money owed. Over a year later I started getting collection attempts from National Credits Systems over {$210.00} owed from XXXX XXXX. I called XXXX to find out what was going on but apparently the apartment complex was sold to XXXX XXXX in XXXX and while they had a statement showing {$210.00} was never paid, nobody could answer what some of the charges were far. Nobody was able to help me since they sent the balance due to National Credit Systems. At one point when I was speaking with the collection agency, I identified some items that I may have paid if had known about it but other charges were still not identifiable. I told NCS that I would agree to pay this amount if they would remove the negative remark from my credit score but the agent said she could not. Known of this was my fault yet my credit is penalized for a mistake that the apartment complex made and then correcting this is impossible because it was sold to a residential management business. A consumer should never have to pay for something that they do not owe and to be penalized for this {$210.00} does more to protect business than protect consumers. The burden of proof that all attempts to contact the consumer who is alleged to have not paid for something owed should be on the business. I was not called nor did I get any communication on the amount owed in my email account. I did not leave a forwarding address because I did not want " junk '' mail to follow me home. Too much already. How do I get National Credit Systems to remove this record from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 wrote a check to XXXX for XXXX. It took so long to cash it after 3 weeks I called and paid by phone and put a stop payment on the check with Wells Fargo. Wells fargo then cashed the check anyway and placed over XXXX on to my credit card without my knowledge. My score dropped XXXX points. I called WF and they took off all the fees then called over to WF credit card and informed them of what happened. WF removed all fees related to the charge and said it was taken care of. I disputed this score with the credit bureau and they said oh there is no fraud you score remains the same. 
They are still reporting it as though I had taken over XXXX in cash

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 2022-08-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland funding LLC. XX/XX/2022 added {$1.00} to my account causing my score to drop XXXX pts. And starting a new time-line for the account. I disputed the charge and was given {$1.00} credit. I'm not sure about the time-line. Damage done XXXX will not return my score back to the original score. I also sent letters to Midland funding requesting all documentation on the account and to stop contacting me. No response. I feel both Midland & XXXX have committee fraud against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
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:
In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : its also state a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting may make any consumer report containing any of the of the following items of information any other adverse item of information, other than record of conviction of crimes with antedates the report by more then seven years. 

XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
To Whom It May Concern, I recently applied for a home equity loan with PNC Bank for the amount of {$25000.00}. My initial loan estimate indicated that the estimated payment would be {$510.00}. 

The assessed value of the property per PNC 's assessor was {$530000.00} ( though I note that the assessor did not account for XXXX square feet of livable space ). My current mortgage balance is {$380000.00}. 

On XXXX XXXX, the underwriter issued the following request via email : '' Homeowners insurance dwelling coverage is insufficient. Will need dwelling coverage increased to cover total liens {$400000.00}. " This request is the reason I am filing the complaint. Homeowner 's insurance covers the value of the dwelling ( which per my homeowner 's insurance policy is ~ {$250000.00} ), not the value of the outstanding loan. The figure the underwriter wants to cover through my homeowner 's insurance is the outstanding balance on my mortgage ( {$380000.00} ) plus the value of the loan for which I applied ( {$25000.00} ). What the underwriter seems to be requesting, then, is something equivalent to Personal Mortgage Insurance ( PMI ). 

Even with the low assessment value on the property, the sum of my mortgage and the loan for which I applied would result in a loan-to-value ratio of XXXX %. Banks are required to drop PMI once the loan-to-value ratio reaches XXXX %. 

There are XXXX specific concerns here that I would like to bring to the attention in light of the above summary. 
1 ) The underwriter is asking for one type of insurance ( PMI ) that according to the rules is not allowed. As such, s/he would seem to be asking me to provide that insurance through my homeowner 's insurance. This is either an instance of gross incompetence ( i.e. confusing homeowner 's insurance with PMI ) or an attempt to skirt an existing regulation regarding PMI and, therefore, asking me to shoulder a cost that is not required vis. my loan-to-value ratio. 
2 ) The second concern is that the requested additional coverage would result in a significantly higher cost than was provided in my loan estimate. This expectation was not disclosed in my loan estimate and, as such, this request constitutes a violation of the Truth in Lending Act that obligates PNC to inform me of all expected costs. 

I have written documentation of all facts mentioned above that I am happy to forward to you. Should you require them, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX  XXXX  sent escrow to USAA my XX/XX/2020. They insist USAA accepted transfer of funds. USAA insists they never received the funds. They asked for date time of transfer. I called XXXX XXXX  and asked. I called back USAA to notify them of ate and time. USAA still says they never received the money. It has been deducted from my escrow. USAA refused to allow me to talk with a supervisor. Told they could not find the missing funds. Asked for a deep review and this was not granted. Was told supervisors are unavailable during COVID. Called XXXX  4 times and USAA 4 times with no resolution. Asked that XXXX  and USAA speak together. XXXX attempted and USAA refused. Missing funds amounts to over {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Privacy

Complaint:
I was told by Capital One in an email I was receiving new cards with no explanation. I checked my cards, they were not expired. I called n was told the new cards have a chip in them for tracking. I said I 'm upset that we are n't being informed in the email the reason is there will be a chip in the card. I spoke to supervisor who at first gave nonsense excuses - " they have XXXX people to inform ''. Them said it 's federally mandated we all have a chip on our cards. I said will you ever inform people it 's in their card? He said it will be in the terms n conditions when u get the new cards. That is in the small writing that no one reads after they first get cards! So now if the government has access to the chip mechanism they can track us anywhere we are n't if the chip allows it n so can Cap One n any other entity they give access to without anyone ever being basically informed that we have a chip on our cards. After the NSA phone tracking i consider this a next step and that we are n't not being ethically informed it 's in our card is reprehensible n unconscionable. I also blame the government for federally mandating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TELECOM XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXXD Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2020-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I asked for a XXXX transfer The bank asked for. XXXX and a XXXX And stole the XXXX Claiming it was due to return fees for the XXXX When I only asked to pull XXXX They thereby stole my 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 2015-03-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My bank account was hijacked, my bank for my protection closed my account and card and send me new one. So my bank check my account and dispute XXXX transactions who was payment of my credit card. I contact my credit to make my regular payment and they told me that my account was closed due to payment issue so I made a payment right away and was told that my account will be reopen in fees days later. But nothing happen I send prove of account compromise letter send by my bank and follow up with credit card company who told me that the letter was never received this letter was send XXXX times and I just received a letter to the credit card companies who told me that I was too late and my account was send to collection. They just try to used they power to get more money on me after be a customer form more than 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. 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 explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been tryiing to obtain a copy of my credit report from TransUnion. I have tried ordering it directly on their site, through the XXXX XXXX XXXX XXXX link, XXXX XXXX everywhere. I have tired several times and I still do not have a nor able to see what is on my TransUnion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My fha loan has been in forbearance and I have never had any late payments. My credit report shows no payments resported during the forbearance time, however now that the forbearance has ended its showing Im 180 days late. That is incorrect.

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 2018-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. When inquiring about credit card accounts under my name with Chase Bank, I would receive a response to my question, but with a totally different account number. I take this very seriously, because after pointing it out to Chase via phone, us mail and branch locations, I couldn't get a valid answer, then Chase blocked and closed my checking account. 
2. I was informed that a had a few Charged off accounts with Chase. Never was informed of it for years. After reviewing statements, I discovered accounts were paid in full before due date, interest fees were added, then a new card was issued to " prevent fraud ''. 
3. Why was I never notified by Chase Bank or sent a settlement check regarding past settlements, which I should have been included in? 
Example : 2009, Overdraft Protection Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender is claiming I owe considerably more than I believe I actually owe. They can not document the additional charges they claim I owe. I do owe something, but they are grossly overstating the amount. The spreadsheet they provide to document the amount ( s ) due has an arrearage column that makes no sense. 
Additionally on numerous occasions, I have requested the lender to send me copies of the original loan documents with my signature and my husband 's signature to verify amounts due. They can not produce these documents.

Company response to consumer: Closed
Consumer complaint received 2022-03-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector and I have also made a dispute. 
XX/XX/XXXX I have reached out to the company and to the debt collector and I have also made a dispute. 
XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and to the debt collector I have also made a dispute

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 2020-03-04
Company: Securus J Holdings, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company that I'm reporting is Jpay ( www.jpay.com ) ( jpay in the app stores ). They work with Correctional institutions to provide services to XXXX. Our family, or by our own, places  money into a trust account which can be used to purchase goods on their " store ''. In the store you can purchase various items, like music and/or games. 

Routinely, the games they have in their store are flawed and do not work. When this is reported, it is ignored and the company routinely keeps the funds without processing the trouble tickets for refunds.

I purchased at least 6 games that do not function and jpay  refuses to refund my money. While this is happening to me, it is systemic and is happening to every XXXX that uses their system, which is just about every Ohio XXXX. 

I welcome any opportunity to have this matter corrected. The company routinely ignores complaints to the XXXX XXXX XXXX  as they have a contact with the Ohio Department of XXXX and XXXX and simply do not care about  being reported because of the secured income. Equally, XXXX  have no other option, were secured consumers without anyone to help. 

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX ( XXXX  Number : XXXX )

Company response to consumer: Closed with explanation