BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. XXXX keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me today.

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 2023-02-24
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a XXXX vanilla gift card went online to register then proceeded to XXXX to make a purchase when trying to make purchase card was declined myself and merchant tried several time with no success merchant instructed me to contact company which I did I'm store I was told my card had been used online for several other transactions and I couldn't file dispute I can't view transactions online and i have proof I was in XXXX with card while the transactions was taken place I have original receipt for gift card as well as packaging

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing at XXXX Account Number XXXX On XX/XX/XXXX, I signed papers to turn a house, XXXX XXXX XXXX, XXXX, Md, XXXX to this lender under their deed in lieu of foreclosure program. I signed the deed in front of a notary with an attorney reviewing the papers. They wanted the house available as of XX/XX/XXXX. The property manager, XXXX XXXX, XXXX had everything ready for them and no-one showed. They have since missed several appointments and treated the property manager very unprofessionally. 
But the house is sitting empty all this time and things are happening. The company gave me tax forms stating that the house was transferred in XX/XX/XXXX and I filed those forms with the state of Maryland and the Federal government with my tax return under the advice of a CPA. But the company still has not taken the keys from the property manager and expects me to keep up the vacant house. It has been over six years for this servicer to make up its mind about the house. Even filling out and signing the deed has not gotten rid of this house even though I had it broom clean on the day they asked me. 

Back when I was going through the loan modification process, they told you I did not file the papers, but that assertion was incorrect. They continued processing the modification after they told you I had not completed the process correctly and later turned down the loan modificiation. Now they wanted to take the house but expect me to keep it up after I signed the deed over to them and filed my tax return with their information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX  has gotten  XXXX   XXXX   XXXX  for {$930.00}. I spoke to  XXXX   XXXX  where it was not correct due to the fact I did n't not have  XXXX   XXXX   XXXX   back in  XXXX . I ha d 4 different dentists who made up 4 different things they were gon na perform. I was talked to by all 4. I meet a surgeon also. She wanted to include implants. I meet 3 others dentist. I could not afford implants so I wanted something different I could afford. I spoke to the office manager who was at the off ice in  XXXX , Al at the time. She said it would be handled. I then went back the first  of the year  XXXX , the new office  manager  told me she was sorry she would take care of this because it is incorrect.   I have gotten a new letter in  XXXX    XXXX   saying I owe this amount. Why have I gotten a letter in the mail again about this?

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 2022-08-25
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:
I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.

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 2016-06-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2016 I contacted by phone Select Portfolio Servicing ( SPS ), my alleged loan service provider, to inquire about the process of applying for a modification of my loan under the Federal HAMP program. I chose to start the program and sent some original documents to SPS. Under this program, and the California Homeowners Bill of Rights ( CA HOBR ), I am protected from the loan servicer or loan trustee ( allegedly XXXX XXXX XXXX ) from initiating any activities scheduling a foreclosure sale or trustee sale while I am applied for inclusion in the HAMP. The servicer ( and/or trustee ) is prohibited from initiating or continuing any foreclosure actions while a HAMP application is being considered. This prohibited action is referred to as " dual tracking '' and is prohibited by one of the main statutes of the CA HBOR and HAMP. After receiving correspondence on XXXX/XXXX/16 from SPS specifically saying that they will NOT be scheduling a foreclosure sale once I was participating in the Modification Loan process, I was shocked to discover that XXXX had filed a " Notice of Trustee Sale '' on XXXX XXXX, 2016 with the XXXX County Recorder, a direct contradiction to what the CA HBOR and HAMP require, plus their own statements in their letter to me dated XXXX XXXX, 2016. In the letters they called out that I would have until XXXX XXXX, 2016 to complete all of the documentation required for the HAMP application. 
On a second note, SPS also sent correspondence stating that XXXX XXXX, with the title of Relationship Manager, would be my " single point of contact '' during the HAMP application process, as required by CA HBOR. I have been mostly unable to contact XXXX XXXX, and have been directed to other individuals at SPS, who without fail have provided misleading and/or contradictory information. This is in direction violation of the CA HBOR 'single point of contact requirement '. 
See attached documents that provide a view of how SPS and Quality Loan Services have violated CA State and Federal mandates. Below is a copy of the body of an e-mail that I sent out to XXXX XXXX. As of XXXX/XXXX/2016, the " Notice of Trustee Sale '' is still listed by the XXXX County Recorders. 
I have attached an email and other documents that I sent to XXXX XXXX on XXXX/XXXX/16 that display the points I am asking the CFPB to investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Equifax and XXXX  are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Everyday XXXX5x daily Barclays Bank calls for a debt I do not have ( 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 monetary relief
Consumer complaint received 2017-02-10
Company: TENET HEALTHCARE CORPORATION
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed ( XXXX ) and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems ( XXXX ). Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either one. They say that it was last reported XX/XX/2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XX/XX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a collection account with lowes got sold to XXXX and i end up with the same account XXXX in my credit report, the XXXX account was settle and paid and XXXX told me that lowes should delete this account from the bureaus files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Atkins & Ogle Law Offices, LC
State: WV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Havent been informed that this debt was still owed. Last comminication I had with company was in 2008 by court paper that stated withdraw motion due to expire. I took that to mean they were not pursuing the debt anymore. Now 8 years later my emploer is garnishing my wages for the amount of original loan plus 8 years of interest. My permanent address is my mothers. Not sure why after all these years something wasnt sent. I have an additional {$3500.00} added to loan to repay. Why was I not informed? It 's like they sat on this debt and let interest build up until statute of limitations were about ready to expire then decided they wanted their money. I would have had this debt paid off years ago if I had known I still owed it. Just unfair. Should have been notified of this years ago!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
A loan shows up under my social that was removed from my social in 2010. I no longer own the property but CHASE insists that because my name is on the original note that I 'm still responsible. The loan was recently modified by the loan owner that agrees that he has full responsibility but CHASE turned down his loan assumption request and instead pushed him toward a modification that does nor bare my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX did not provide me XXXX. I overpaid interest. Ditech collected late fees for over two years and payments for over two years from XXXX. But, it claims it is not accountable for interest in XX/XX/2016. I paid interests of {$6300.00} in XX/XX/2016, is {$1300.00} in overpaid interest. 

Ditech does whatever it can to create a hardship to facilitate a default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, XXXX is has reported late payments over & gt ; 120 days which is inaccurate and causing a strain on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called my credit card company to request a letter confirming a transaction ( {$6500.00} on XXXX/XXXX/2015 ). I needed this because of a dispute with XXXX regarding a hospital bill I had paid. The representative seemed very confused by my simple request but eventually said that he would " submit a ticket ' for the request. When I had not received anything after 2 weeks, I called once again and asked to speak to a manager. I explained again what I needed and the importance of getting my request completed in a timely manner and was told that the ticket had been sent to the wrong department and that a letter had been sent to me to say that I would have to pay {$5.00} for the research and that the research could n't begin until I had received the letter and called them to confirm that I would pay for the research. I never did receive this letter ( or any other communication regarding my request from them ). 
It has been over a month and they are unable or unwilling to help me with this request. In addition, they were dishonest in informing me that they had sent a letter to me. 
I am now in a situation where despite providing my credit card statement and a hospital statement showing that I made the payment I can not get this resolved until I receive the transaction verification from my credit card company.

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 2021-10-30
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IT APPEARS IN MY CREDIT REPORT AN ACCOUNT WITH XXXX XXXX THAT IS IN THE HANDS OF A COLLECTION COMPANY, THIS ACCOUNT WAS REPORTED AS A FRAUD, SINCE I WAS INVOLVED IN THE THEFT OF MY IDENTITY, I DID NOT HAVE THIS CABLE TELEVISION COMPANY, A LOT LESS IN THE ADDRESS THEY SAY I HAD THE SERVICE. I HAVE REQUESTED VALIDATION OF THE ACCOUNT AND THEY HAVE NOT SENT DOCUMENTS THAT VALIDATE THE ACCOUNT, VIOLATING MY RIGHTS AS A CONSUMER,

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 2017-01-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have an account with synchrony bank for my XXXX account all of my previous purchases had promotional periods on the last one I had paid off the promotional payment, synchrony used a portion of that to apply it to my payment that month, I did not realize what they had done and did not make a payment, then I realized they were charging me a huge amount of money in interest I called then they put some of the money back but not all of it and they refused to fix the last amount and are still charging me interest.

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 2016-02-01
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached the FTC application and the dispute letter which also has been sent to transunion many times, the account in question has no delinquency, specially if the creditors letter ( attached ) is the proof, please find attached the creditors letter as well, which they are able to remove the negative from my credit. 
thank you for your 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 2017-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have been banking with capital one 360 over a year now checking and savigs. Always had funds deposited by XXXX in my user names and never been a problem until XX/XX/2017 I received an email stating my account has been closed and was given a phone number to call. On XX/XX/2017, I spoke with Manager XXXX from customer service department and I advised him of the situation. Then he transferred me to security department. I spoke with XXXX and he advised that due to deposit names not matching they decided to close all my account and that the monies will not be released. They stated they not able to verify the usernames that was deposited into my account. Overtime I saved a total of XXXX in my capital one accounts.

Company response to consumer: Closed with explanation