BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
BANK OF AMERICA THE MASTER SERVICER HAS DIVISED A SCHEME WITH  XXXX    XXXX   XXXX    AND IS DISCRIMINATING AGAINST US BECAUSE WE FILED BANKRUPTCY AND VIOLATING BANKRUPTCY LAWS BY PROVIDING US WITH FRAUDULENT DOCUMENTS  XXXX   XXXX   XXXX  and Bank of America Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau.  XXXX   XXXX   XXXX  and its employees and Bank of Ameri ca Master Servicer  and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic  XXXX   XXXX   XXXX   XXXX  and Bank of America  Master Servicer  has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive  XXXX   XXXX   XXXX  has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.

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 2021-05-14
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:
hello, my name is XXXX XXXX, and i have been a victim of id theft. I have sent over 4 disputes to the credit bureaus in regards to fraudulent inquires that are on my credit report! I have had ZERO progress with the bureaus removing these fraudulent remarks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Asset acceptance filed a judgement lien on credit card debt that is about 25 years old and I havent paid on it for as long. They used for {$26000.00}. I cant remember the origional debt but it must have been 1/4 that amount. They dont notify about court cases and I dont see how they can try to collect on an ancient debt. They've already intercepted federal tax refunds when the debt was so old. They know most people can hire an attorney to fight these issues. They must have lied to the judge about the age of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: PA
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:
I feel taken advantage of since my disputes are being ignored! I have previously contested this account, as I can tell you are reporting false facts. The date opened, date of last report, and date of last activity are incorrect!!! You fail to verify this account even further!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a natural person my name is XXXX XXXX the Credit bureau violated my rights the disrespect me they disrespect my rights to privacy XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX NA ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX NA ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/XXXX a check book for my son 's and my account was stolen and he reported it to Chase and blocked those checks. From XX/XX/XXXX to XX/XX/XXXX XXXX of those checks ( with check numbers between XXXX and XXXX ) with amounts from {$500.00} to {$1000.00} were fraudulently cashed, with most not even having a signature. 
My son reported this on XX/XX/XXXX and only the last check amount was refunded. Chase wouldn't even refund the {$800.00} check cashed on XX/XX/XXXX ( which didn't even have a signature ) claiming that the fraud wasn't reported within 30 days of the initial fraud transaction. 
When questioned about XXXX ) why the cancelled checks were cashed, XXXX ) why checks without signatures were cashed, and XXXX ) why even checks cashed within 10 days prior to the fraud being reported weren't processed they said that checks are only blocked for XXXX year and since the checks were cashed at a different bank, they were not responsible for missing signatures or signatures that didn't match.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep receiving phone calls from PORTFOLIO RECOVERY using different telephone numbers including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX And many more. I get multiple calls every single day from Portfolio Recovery. Its very frustrating and they don't even know what its regarding but constanlty have to block these random numbers they keep using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX XXXX XXXX from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX XXXX  and retired XXXX! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX 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 2022-09-13
Company: Experian Information Solutions Inc.
State: NJ
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:
I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.

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 2021-11-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2021 a letter was sent to Experian CRA to remove incorrect information on 2 accounts on my credit 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 2017-06-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX from XXXX XXXX XXXX XXXX contacted me via a recorded phone call on XX/XX/XXXX about a debt I uncured with Belk. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XX/XX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that SYNCB/BELK has reported that a balance of {$580.00} was written off. I wrote a letter SYNCB/BELK in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XX/XX/XXXX, I was contacted by a Law Firm called XXXX asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XX/XX/XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.

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 2017-06-12
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up on complaint  XXXX  filed  XXXX   XXXX ,  XXXX . The previous company has now changed their name fro m Law Enforcement Systems , LLC (  F rating by BBB  ) to    Professional Account Management, LLC   at the same address. After I filed the initial complaint I did not hear anything from either the CFPB or Law Enforcement systems until Friday  XXXX   XXXX ,  XXXX . Professional Account Management continues to try and collect an illegitimate debt even though I have provided them with documentation proving I am correct. They refuse to go back to the original creditor and make them prove that the debt is legitimate. Please see complaint  XXXX  for the original documentation provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company had send bills and other documents. I  have request information from regarding Financial Aid that should have cover this balance. The company has closed this debt and did not remove it off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, Equifax XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXXXXXX XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX High Credit : XXXX {$26000.00} XXXX XXXX$26000.00} Equifax- {$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX Equifax- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
Equifax-Charged off account Auto Date Last Active : XXXX XXXX- XX/XX/XXXX Equifax-XXXX Date of Last Payment XXXX XXXX XXXX- XX/XX/XXXX Equifax-06/01/2019 The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In  2015 ,  XXXX  's  XXXX   XXXX  sent a bill to collecti ons. RentCollect was the company took over the bill. I never received any sort of communication from RentCollect in regards to this. I only found out about it after checking my credit and noticing my score went down due to the collection. The bill they received was for something I do n't owe. Even so, today I contacted them in an attempt to pay that bill. I only offered to pay it because my new apartment complex asked me to address the issue. I called RentCollect multiple times trying to make the payment and only asked for a faxed confirmation to be sent to the apartment complex. They very rudely told me they would not do that and it would have to be mailed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: I.C. System, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a US service  member I had froze my  XXXX   XXXX  Account when I received orders to be stationed overseas in  XXXX   XXXX . When I returned to th e U.S.  in  XXXX  I re-activated my  XXXX   XXXX  Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in  XXXX  I updated my billing/address information with the sales attendant in  XXXX  's  XXXX , CO store. In  XXXX  I switched carriers to  XXXX , taking my  XXXX  phone number with me.     Unknown to me, I had a {$73.00} balance left on my  XXXX   XXXX  account.  XXXX  only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report.  XXXX  did not use my updated    U.S. ad dress nor did they attempt to call me on the phone number that they knew  I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone  number to reach 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 2021-11-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
To whom it may concern, I receive a letter dated XX/XX/2020 XXXX XXXX XXXX XXXX will update my account and no longer be charged to the listed accounts. 

Effective today, the Customer Service Representative at XXXX XXXX has read quite different things to me about how my account will always be reported as ongoing charge off. I said that the letter did not express anything verbose.

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 2020-02-19
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Kindly read the letter I have attached, giving you the synopsis of the case, sent XX/XX/XXXX to the new servicer. Shellpoint who was unaware of this information, prior to assuming the servicing rights. Two attorneys XXXX XXXX and XXXX XXXX were convicted of fraud by the United States Federal government and required to pay restitution - XX/XX/XXXX, via their ancillary business 's that dealt process service. 

Yet the two attorneys noted above, committed other frauds which have yet to be adjudicated, that I discovered during my own foreclosure proceeding that has been going on for 10 years. Such information was only discovered after they were convicted, in XX/XX/XXXX. The XXXX XXXX XXXX intentionally failed to file condition precedent notice requirements prior to commencement of the foreclosure, yet lied to the court that they did so. This occurred in my case and the nearly 38,000 foreclosures throughout New York State, in which I have been privy to review and speak with other homeowners - affecting nearly 10 % percent of the population XXXX XXXX people. 

My home is set for foreclosure XX/XX/XXXX at XXXX XXXX  Please Help --

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2020, The First Citizens Bank publicly posted the online offer for new checking and savings account bonus of {$300.00} when the requirements are met. 

The requirements include opening both checking and savings and direct deposits. 

I live in Texas, eligible for the offer and opened accounts on XX/XX/2020, also set up direct deposits from my employer payment. Up to now, I have at least 20 direct deposits, they are all qualified direct deposits. 

Up to today I am still waiting for my bonus. 

I called the bank today and was told that I need a mail-in promo code to open the accounts. The bank is scamming the terms and making false claims on the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: AMERICAN EXPRESS COMPANY
State: NC
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 rewards from credit card

Complaint:
I applie d for American Express Delta Gold Rewards Card.  I was told I would get  XXXX  miles if I charged {$1000.00} in 3 months. I was approved. I went on the  American Express websi te to get more information about the company and my particular credit card I was receiving. On the website the promotion is for  XXXX  bonus miles to anyone that is approved and spends {$1000.00} in 4 months. On  XXXX  I called to complain about how unfair this was and the rep told me that unfortunately that is what I signed up for. I went on  Twitter  and the rep  XXXX  stated " We have no recourse in this matter. '' I called again that day and spoke to "  XXXX  '' who seemed sympathetic to my situation. He said he would submit the request for the correction for the better deal. I have not heard anything since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At first,  XXXX   XXXX  and  XXXX  put a negative remark on my credit report using all   XXXX   credit bureaus. This was in  XXXX   XXXX . They said that I owed {$300.00} to  XXXX . I had disconnected  XXXX  service effective  XXXX   XXXX . There was nothing owed to  XXXX  I wrote to  XXXX   XXXX  and  XXXX  and they removef the negative remark. The n Conergent Outsourcing collection company came along and added a derogatory remark for the a mount of {$300.00} for the same non-existent  XXXX  bill. I have disputed and  this erroneous bill on my credit report but, it stays there. I also wrote to Convergent Outsourcing about this bill and they did not take it off. Convergent Outsourcing was unable to provide a bill.

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