BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
For years I had credit limits over XXXX. Then the credit crunch came and many non used accounts were just closed and credit limits reduced in a one way transactions. The banks just reduced credit limits. I been working with social security XXXX and have just been approved after a 3 year period of struggle. Now I have Wells Fargo reducing my credit limit without any notice. Just boom. The credit market is so tight, its totally out of control. These big bank officers should have been put in jail for the great recession, just like the savings and loan scan.dal in the 1980 's. Now out of the blue, Wells Fargo lowered my credit limit, again restricting and reducing credit scores and credit limits. Absolute control by the rich and powerful XXXX! Totally out of control in this county, XXXX over a veteran and XXXX individual just because you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
HAMP Modification loan has been permanently modified ... yet still getting calls that i am late ... 

online website to pay does not reflect new payment and that I am behind in payments Customer service has been a nightmare and no help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am still being harassed by Midland Fund with a collection claim filed on XX/XX/XXXX with the credit bureau agencies by this firm over an alleged {$1200.00} debt. The date of last activity by the original creditor was XX/XX/XXXX. The status of limitations on this debt has long expired. The original creditor is XXXX XXXX XXXX XXXX. The State of Limitations on this alleged debt, even should it be mine, is 4 years in the state of California. 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I 'm sure this firm is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that Midland Fund has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 
The exact statute : [ XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) The legal status of the alleged debt, and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also convinced that Midland Fund does not have adequate documentation to prove in court that it has the right to report this negative information on my credit report, and therefore is in violation of the Fair Credit Reporting Act as well as the FDCPA. Midland Fund is not lawfully entitled to report this information and I request an investigation. 
Under the FDCPA I am also invoking my right to ask you to delete this alleged debt report from the credit bureaus and send the Consumer Financial Protection Bureau notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 
I am trying to purchase a home as a first time buyer and this record is affecting my ability to do so. It is in my family interest that I need to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was approach at XXXX airport by AMX personal asking me if I have Delta AMX card I told him yes, he ask me if its personal I told him yes, then he told me he can switch over to business and give me XXXX bonus miles, then I told him I do not wants to apply for new CC, he reply he is going to just change it to business not new, I got home see new CC with new account I called on XX/XX/2016 and complain AMX, AMX told me they will get back to me in 7days my ref number from AMX is ' XXXX Today XX/XX/2016 called AMX again and talk to supervisor name XXXX caller ID XXXX did not get response My compline is AMX rep. opened new account w/o my approval or lying to me and effecting my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have Identity fraud. I am being contacted by XXXX XXXX for account that was fraududlently opened using my information. I have filed a police report and they continue to contact me demanding a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: ALLY FINANCIAL INC.
State: MS
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:
Ive never heard of this I reached out to the original creditors and submitted documentation I didnt give this company consent to place this 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 2015-11-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Collection agency ( Midland Funding LLC ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of XXXX, XXXX, XXXX XXXX XXXX XXXX. They sent me a notice of motion I do not know if it is legit or fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: WELLS FARGO & COMPANY
State: NV
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX XXXX XXXX Original creditor XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX U S DEPT OF EDXXXX  Account # XXXX XXXXXXXX XXXX XXXX INQUIRIES 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  has violated my rights.

XXXX XXXX  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 2016-03-26
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Issue: Other fee

Complaint:
Applied and received the American Express Blue Cash Preferred Card. Amex charged me the annual fee of {$75.00} upfront on XXXX/XXXX/15. I read and re-read the terms and conditions before applying and thought they would charge me the fee after a year using the card. Why would you pay for services you have n't even received? It did n't make sense. 

I again re-read the TOC and it never states when the fee would be charged. When I contacted them about this they repeatedly told me it was in their disclosures that they charge this fee in the first month. I asked where and spent a few hours with Amex reps falsely explaining that it says that the annual fee was due the first month. 

After considerable time, they finally agreed with me that the TOC do n't state when the annual fee gets charged but would n't negotiate on refunding or changing the timing. Eventually, I paid the fee. After a while, I cancelled the card and hope it did n't hurt my credit by closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have inquiries that showed deleted but are still showing all my account that dont belong and this is XXXX also reporting on equfax that all of them need to be deleted and not showing on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: FL
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 and XXXX Acct XXXX, XXXX. XXXX, 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and XXXX, XXXX XXXX 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2020-12-11
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I mailed a letter asking for validation an alleged debt. I only received an account summary which was not debt vaildation. So I wrote another letter on XX/XX/2020 addressing that. My requests were ignored on two occassions and I know the letters were received because I mailed them certified with return receipt so i could know. On XX/XX/2020, I noticed this illegal debt was still showing on my credit report so I mailed another letter to them of estoppel by silence which I read about online. On XXXX XX/XX/2020 they sent me correspondence again which stated it was an attempted to collect a debt and sent an account summary and a bill again which is not debt validation. On XX/XX/2020, I mailed another letter addressing that it they didn't validate the debt per fdcpa. On XX/XX/2020, they mailed me more correspondence which clearly stated this is an attempt to collect a debt a nd just basically said that they manage LVNV Funding LLC. To date, this illegal debt is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To whom it may concern, Bank of America has acknowledged they have {$190000.00} our our money as of XX/XX/2020. BOA daily assures is the funds will be released to our checking account.

We have in writing the money would be deposited by XX/XX/20, we still have no deposit. 
We hope you can help us recover our money, thank you for your time, XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: GLA Collection Company, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In my original complaint about GLA Collections I had asked them to provide confirmation that this account was going to be removed from my credit. In their response to me they stated they would request the " trade line '' be removed. This means two things, first, that the request has not yet taken place. Second, they did not provide me any form of confirmation of the request other than their word which means nothing considering they didn't provide written notice or otherwise of this account in the first place. Until they provide me confirmation in the form of a Control # from Eoscar or a letter sent to me via email at XXXX showing the request has been placed with the credit bureaus, I am considering their actions threatening and emotional harassment. 
I have done nothing wrong and this company is ruining my credit every single day, and until I have proof that the removal of this account from my credit is being taken seriously I will consider legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Called and left a long message about me owing a debt i have already settled i do not want them to contact me anymore i will contact them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
30 year mortgage pd in full XX/XX/2021 still have not recid pd contract back and have been told that would take 60 to 90 days.all i am looking for is the original contract marked pd in full. i I have been billed and i have issued my payment chks to XXXX now I am informed that the mortgage is thru loan care of the same address and was directed to them, and was told by XXXX that the pd documents would take 60 to 90 days to reach me when I spoke to XXXX supervising manager employee # XXXX he informed me that if I wanted these documents I had to request them in writing? All I am looking for are my contracts back marked pd in full. Loan Care XXXX XXXX  XXXX, XXXX  XXXX, Virginia XXXX. Thanks XXXX XXXX XXXX XXXX XXXX XXXX Ct 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 2022-07-08
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I've received an advertisement from Citibank for a XXXX  Savings account that indicated a bonus of XXXX  XXXX XXXX  XXXX  and 25 % more XXXX  on the credit card that I've already had with Citi if all the terms were met. The terms were to maintain a balance of {$10000.00} for 60 days after the initial deposit period of 30 days, so 90 days totals. The account was opened on XX/XX/22 and the deposit of XXXX has been made to the account as of XX/XX/22. As of XX/XX/22, I still haven't received the XXXX XXXX XXXX  bonus for opening the account. After contacting Citi customer service, I was told that they don't see the promotion under my account ; however, I have been receiving 25 % extra XXXX  on the credit card. There is an error on Citi 's side that they haven't been able to resolve in getting me the 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 2015-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview is issuing incorrect statements and applying my mortgage payment incorrectly. I pay my mortgage payment at the end of each month and include the late fee each month. The mortgage company does not apply the payment correctly and I have to call them EACH month to explain their mistake. I was a senior underwriters in the past and they are negligent on my loan servicing for over XXXX years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began working for a 501 ( c ) ( 3 ) XXXX XXXX  organization in XX/XX/XXXX and have worked continuously at such an organization since that time. I have been making timely payments on my federal student loans via automatic withdrawal under an income-based repayment plan since at least XX/XX/XXXX. In XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF )  certification to XXXX, my loan servicer at the time. InXX/XX/XXXX, I received a letter indicating that my loans would be transferred to FedLoan. 

In XX/XX/XXXX, I received a statement from FedLoan indicating that I had made 67  qualifying payments toward the 120 necessary to qualify for PSLF. Because I believed that FedLoan had made an error in this calculation, I requested a life of loan payment history which I received from FedLoan in XX/XX/XXXX. This history showed, by my count, that I had made 87 qualifying payments as of XX/XX/XXXX. I emailed FedLoan in XX/XX/XXXX explaining my position and asking that they review my account, provide an explanation as to why any payments made were not counted toward my PSLF eligibility, and correct any errors that it found. In XX/XX/XXXX I received FedLoan 's response which, without explanation, indicated that the number of qualifying payments I had made had been reduced from 67 to 40. I contacted FedLoan and spoke by phone with representatives in XXXX and XX/XX/XXXX and, each time, was informed that my loan had been placed into paid ahead status some time during the preceding years and then subsequently removed from that status. Each time I spoke with a FedLoan representative, I was informed that they would conduct a review of my account and provide me with the results of that review in writing. I have received no additional information from FedLoan. 

I have never requested that my loans be placed in paid ahead status and have made no additional payments on my student loans other than those automatically withdrawn by my loan servicer. Each of those payments has been in the amount determined by my loan servicer under an income-based repayment plan. FedLoan has failed to provide any explanation as to how my account could have been placed into paid ahead status under these circumstances, has failed to explain how it determined that fewer of my payments qualified for PSLF after I disputed its initial count, and has failed to offer or make any corrections to may account so that I receive credit for the complete and timely payments that I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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 the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
PAID TO DELETE ARRANGEMENT WITH XXXX XXXX XXXX. PLEASE DELETE. THIS IS OLD NOW.

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