BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Back in XX/XX/XXXX a claim showed only on Equifax. I contacted Equifax, got the phone number and contacted the collection agency. They could not find my account. This was disputed with both Equifax and XXXX Outcomes via XXXX Certified Mail XX/XX/2016. Response in writing was requested and there was no response. XXXX responded to Equifax ( according to Equifax ), but did not contact me nor send me the information requested under my rights by the XXXX XXXX. I simply requested name and address of original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. Any fees added by the agency under XXXX ( a ) ( XXXX ). Texas XXXX bond information as required by XXXX. I received no response and have not received any response since XX/XX/2016. I filed a second dispute with Equifax and Equifax again said, " XXXX said it 's yours ''. I am filing a complaint with you and I will be writing a formal letter to Equifax requesting the letter be presented to any creditor reviewing my report. I still to this day ( XX/XX/2016 ) have not received anything from XXXX. This is not my account and furthermore they refuse to send me any information proving it is my account. Because they do n't have it. This is on my credit report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Platinum Holdings Group, LLC
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Platinum Holdings is attempting to collect a zombie debt by claiming that the debt I supposedly owe does not fall under the FDCPA statute of limitations. They have been calling my siblings due to my being out of the country. I called and spoke with XXXX and she proceeded to tell me that since it was a debt owed to XXXX, it falls under a " precious metals contract '' and has no statute of limitations. When I stated that I did not acknowledge the debt and wanted documentation proving the debt in order to seek legal advice, she refused to send me the documentation. She is now saying that their counselors will be proceeding with suing me even though I have not received any documentation. At. All. from them. She stated they were sent to my old address and it did n't show in her system that I had received the documentation. That 's because I never received anything from this company in any way, shape, or form which she well knew! Once I stated I did not acknowledge the debt, she proceeded to speak over me and got hostile. This is a debt that is over a decade old that they say I owe but refuse to prove that I do indeed owe. She refused to send me anything since I do not acknowledge the debt. This is a debt that does n't exist on my credit report! So there is no legitimate claim that I legitimately owe. She refused to send me anything after I refused to acknowledge the debt. I asked her for her agent number and credentials and she gave me her extension number ( XXXX ) instead saying that she is not an agent and has no credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Military Retirement XXXX Pay of {$XXXX} was held for three day from XXXX XXXX, XXXX until XXXX XXXX, XXXX, then again a second incident in XXXX XXXX, XXXX Military Retired XXXX Pay of {$XXXX} was held again for two days. on both occasions the Automatic Clearing House ( ACH ) put a HOLD on XXXX Pay with out any Notification, Chase Bank Alert settings were in place and the ACH Department Failed to make any notification. continuous Criminal Activity continues with Chase Bank Programmers, and IT Department and Compliance have " NOT '' prevented any Criminal Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Re : Line of CreditChase sued me in XXXX XXXX Superior Court. 
The amount sued for was an incorrect balance. 
A payment they received, on the account was not credited. 
They did cash and retain the funds. 
Chase requested summary judgement. 
A rep stated if I pursued such a " trivial '' amount ( $ XXXX ), it would cost more in legal fees, and they would not settle. 
{$700.00} monthly was agreed to be paid to Chase. 
{$700.00} has been paid EACH and EVERY month ON time. 

In the ensuing years Multiple Inquiries and/or requests have been ignored by CHASE, not even for tax purposes/payoff : Chase has NEVER issued a statement on this account. 
Chase has NEVER issued a balance on this account. 
Chase has NEVER issued an interest paid statement. 
Chase has to my knowledge never adjusted missing payment. 
Chase did acknowledge the payment had not been credited. 
Chase has ignored EVERY request for a balance. 
Chase has ignored EVERY request for a payoff. 
Chase has ignored EVERY " Demand '' for such. 

I do not know-how much they are acknowledging as paid, -if they are crediting all of the payments they are receiving. 
-if they did credit that missing amount they collected-what has been paid in interest, fees, -if the amount due has been paid, what is remaining, -what the payoff balance is-When the payments they are collecting will satisfy the account. 
( i.e. when will it be paid ) Your assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted numerous times via telephone and mail regarding a debt that was a charge off and the statute of limitations has expired. I was told by the collector that they bought the debt and I owe the money to them. I contacted the original holder of the credit card Chase Manhattan and they advised that this was a charge off in XX/XX/XXXX. Moreover, I was served documentation dated XXXX/XXXX/XXXX advising that I was being sued if did not pay. I contacted the company and advised that I did not owe this debt to them as per the statute of limitations in my state has expired. I was then advised that I would be sued and that I needed to hire an attorney. Moreover, I researched the company and discovered that this a predatory collection company which goes by several different names and uses scare tactics to harass people into thinking they are a legitimate mediation firm and they are being sued and/or this firm claims to be the legitimate holder of the loan and that the statute of limitations runs 10 years from the last date of payment. This company continually continues to harass me by using a robocaller, live telephone calls and now mail. This is creating undue XXXX and XXXX that is becoming increasingly intolerable and I am respectfully seeking relief from this stalking that has been brought upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: ResidentCollect, Inc.
State: TN
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 recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Complaint number:XXXX, addition to complaint when talking to the discover card representative I asked her what was discover cards late fees and she could not tell me. She had to stop and try to calculate the amount they charged me on my account. This is very disturbing because on all my other bills including other credit card bills the late fees are the same every month. They do n't change based on who you are, or how much you make. If this is the case discover card can do what their doing now and charge me what ever they want that month. The XXXX to XXXX unwanted phone calls a day are also annoying, even after paying my bill for that month they still aggressively call my house and parents house trying to get me to pay them more money for that month and nothing going to the {$7500.00} balance that I have with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: DISCOVER BANK
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
Loss of income and unable to pay, when APR charged raised to the maximum by Discover Bank. XXXX XXXX XXXX, the debt Collector Attorneys for Discover Bank, refused to allow payment agreement, unless additional fees are paid to them. In addition Discover Card refuse to work with client accounts turned over to their collections Attorneys, who continue to add interest to the outstanding amount originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for a Discover card AND bought an iPhone to participate in their XXXX % cashback promotion for in-store XXXX XXXX purchases with the Discover card. After signing up for the card and purchasing the iPhone, Discover changed the terms of the promotion to exclude gift card purchases ( which I was planning to purchase a bunch of, given the holiday season ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Dovenmuehle Mortgage, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I originated a mortgage with XXXX in XXXX 2016 that was subsequently sold to Dovenmuehle Mortage Company. The original loan was a no escrow loan. Dovenmuehle has been issuing statements that add an escrow of additional flood insurance ( We have already purchased a one year policy with XXXX ) as well an escrow of taxes. I understand that Federal regulations have changed and I may be required to escrow the flood insurance, but we do not believe they have the right to collect my taxes on our behalf if we have opted to pay them them directly on our own ( see Closing Document ). The mortgage documents we signed were for a non-escrow loan. I have made several attempts to contact them and have reached several people including supervisors, who say they must pass the information on to a manager in the escrow department and they will call me back. I have never received a call back and am now receiving collection letters. We have been making regular payments for the original amounts due on the loan. We have not been paying the amount they say is due for the escrow, since we have already paid the taxes and purchased the insurance on our own. We would like the amount on the statements to show what we are actually legally required to remit to them and to stop receiving notices saying that we are in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX : I was never late ( send a letter to XXXX for my statement and all details and they never reply?? )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. 

This is listed on my negative Accounts XXXX and I paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
The security questions with each of the credit bureaus have indicated that accounts have been established in my name. There seems to be a vehicle loan, mortgage loan, and a jewelry account in my name after honestly answering " None of the Above '' for each of these. I 'm XXXX and have just joined the military and I have not been able to track my credit score for a while. Please, provide a remedy or help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Back in XXXX my second house was damaged by hurricane XXXX, I received a check for damages and repair the house at the time the mortgage company was XXXX, it is now Seterus. In XXXX XXXX was reviewing flood insurance claims and found that I was owed additional payment and was sent a check in XXXX XX/XX/XXXX.The check was sent XXXX Property Loss Department for signature. The check was return with out the signature and when I called them I was told I had to supply them with a list of damages, contactors that did the work and that they would have to inspect the house, I feel this does not have anything to do with this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Global Portfolio Recovery, LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.

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 2017-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I have been a Chase credit card customer since XX/XX/XXXX and requested a line of credit increase on XX/XX/XXXX. I asked the customer service person if this would be a Hard Inquiry given I was already a customer. He led me to believe it would be a Soft Inquiry. Upon checking my credit report days later, I discovered Chase placed a Hard Inquiry on my credit report. When I called them they said they would review the recorded conversation and get back with me. I received a call from Chase a week later ( XX/XX/XXXX ) indicating their review results were that I " knew '' their inquiry would be a Hard Inquiry on my credit report and refused to remove it. I requested a transcript of the conversation indicating that I " knew '' this was going to be a Hard Inquiry and they refused to provide the evidence to me. As a result of Chase 's Hard Inquiry, my XXXX score dropped XXXX points. I use my XXXX score for mortgage loans as I rehab houses for resell. This has effected my ability to obtain favorable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: GREAT LAKES
State: FL
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:
The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the Dept. of Education validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I bought a watch battery worth less than {$10.00} and paid it in full via a promotion program by XXXX XXXX. While I did not establish a credit relationship or made any further purchases from the Jewelry store, the company has consistently billed me for Jewel purchases that I do not know anything about. On learning about the bills, I immediately went to the same XXXX to request immediate bill correction and to stop sending bills. My many visits and subsequent reassurances that the matter will be handled, have how lasted for close to 10 months. The company has consistently sent me huge bills the latest being {$5600.00} coupled with threats for collection. This has continued to come despite my objection to the company and multiple requests to be removed from the company 's debtors list. 

Distress : Just recently, as I attempted to co-sign an auto loan for my son as he joins college, I was dumbfounded to learn that XXXX have damaged my credit rating in a report to the credit bureau. The company has also continued to issue threats to me for collection measures. 

Because of XXXX XXXX 's fraudulent charges, my historically high credit rating has been damaged to the effect that I am not able to make any progress in my life and that of my family members.I am in urgent need to have the company remove the negative report and to compensate for the distress caused by the 10-month long ordeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Heartland ESCI took over a student loan that I have from the XXXX. The company requires a processing fee with every payment, regardless of whether you use your bank account or a credit card. The only way to avoid this fee is to mail a check ( but of course, then you still have to pay for a stamp ). I do not know whether this violates any particular consumer protection statute, but it really just seems unconscionable to me that even if I 'm using direct debit, which every other loan servicer I deal with takes without a fee, I 'm still charged for the privilege of repaying a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Core Recoveries, LLC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 'm being harassed by an unknown department of education collector company, I am behind on my student loan for financial reasons in the past and am wanting to pay it back somehow, I 'm getting half of my check taking for back child support. Anyway, the number calling me is XXXX. I 've asked them to not call me in between XXXX - XXXX pacific due to the fact I am working in a law firm office setting and they have deliberately failed to do so and keep interrupting my work causing me to loose valuable time and inteferring with our law firm. I 've asked several times which is apparently recorded on thier system for proof of company by sending me info via email or post office. They have refused and now threatening to take money out of my check after I already agreed to pay a monthly payment as long as they prove who they are. The repeatedly ask for my credit card information and refuse to provide proof of what company they are or represent. They claim to be " Core Recoveries, LLC XXXX XXXX, KY phone number XXXX/Fax XXXX They emailed me once but the email was from some form of docusign with an attachement of this company. I think these guys are fraudulent and are stealing credit card information because of the fact the number that calls me is XXXX and the email they sent me is from " XXXXXXXXXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 *** 2nd requested *** dear ICFPB and could you tell the BOA CEO XXXX XXXX XXXX about my story too plx here we go so I visited Bank of America web at : bankofamerica.com site trying to open a checking account bank of america still has chose to neglected to honor my request, It appear that Bank of America has decided to discriminate me after all I paid them off in full! see the letter and yet a letter stated that they will have someone in land o lakes fl office contact me and discuss what product they could help me with, I never bother or gotten any letter or phone call by BOA local or BOA corp.all I got was a rude representative email me to call her and she stated she ca n't help me and she stated Bank of America has rights not to give me a reason why can they help me to open up a new checking account / once again even I have paid them off in full. Poor service with secrets by BOA I want the XXXX XXXX XXXX XXXX to read this 2nd complaints against his company Bank of America what a joke!!!

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