BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to 1681 ( b ) ( 2 ) nothing shall be on my credit report without my written consent. 1. CONVERGENT OUTSOURCING Acc # XXXX { {$840.00} } This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.

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 2021-09-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in my mortgage due to deaths in my family, a job loss, and a life-threatening health crisis. Deaths were in XXXX ( mother, grandmother ) and XXXX ( father ). My health crisis began in XXXX, got progressively worse, and was nearly fatal in XXXX. 

My house is up for auction very soon. 

I have had a change in circumstances. I have a job, and can afford a mortgage payment. 

The lender, SLS, is refusing to entertain a refinance or Covid/CARES forebearance offer. 

They are going to sell my home and steal my equity in a matter of 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 explanation
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/21 - I was overcharged for a meal at a restaurant. Merchant XXXX. Transaction amount {$820.00}. Dispute amount {$790.00}. I do not have a copy of the receipt. 
XX/XX/21 - Approximate date the transaction dispute was submitted. Spoke with bank and it was communicated to me a " dispute letter '' would be MAILED to my residence. No letter was received. 
XX/XX/21 - Spoke with merchant XXXX and requested they provide me a copy of the receipt. After several attempts, I was unable to obtain a copy of the receipt from the merchant. 
XX/XX/21 - Communicated to bank I did not receive the " dispute letter ''. I was told it was MAILED on XX/XX/21. 
XX/XX/21 - Approximate date I located the " dispute letter '' on the Chase Application/website. I completed the letter and as instructed I submitted via the Chase secured message center. 
XX/XX/21 - Received letter via the Chase Application/website communicating the bank considered the dispute a valid charge XX/XX/21 - I called Chase and inquired why they considered it valid. It was communicated I did not provide evidence. I attempted to cancel the credit card and was put on hold for approximately 2 hours. The call was ended before I spoke with the Chase bank " retention team ''. 

Instructions from Chase have been unclear. Communication has been poor. 

I have eaten at the merchant several times over a several year span and I have never had a charge in access of approx. {$50.00}. In addition I am a long time customer of Chase bank and I have held the credit card for several years. Payments are made timely and the balance on the card always remains current. The transactions is error and or fraud. Chase should be resolving the matter with the merchant and merchants bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Recorder of Deeds - Tax Lien - XXXX Amount paid - {$900.00} The lien has been satisfied and has been pain in full since XXXX 2014. I would like to have this removed from my credit report because it is effecting my credit score and when applying for a major credit card and loan. Thank you very much.

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 2022-12-14
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX turned of their DSL service to my residence in XXXX of 2021 but continued to bill me for the service even though they made the switch for my service to be provided through XXXX. I have written letters to XXXX XXXX XXXX and their endless collection agencies to no avail. They are harassing me for payment of services they no longer provide, along with late fees. This latest attempt comes from a forth collection agency and if the harassment continues I will look into what legal actions are available to me to sue for harassment. I have made it clear I am more than willing to meet them in court with all the documentation to support my argument showing that XXXX XXXX XXXX shut down their DSL service and forced me to go elsewhere for my internet service but they continued to bill me for the service they were no longer providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Incomm Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I bought a {$100.00} XXXX XXXX XXXX  from a XXXX self-checkout in XXXX, MD. I tried to order something on XXXX, but it said the card details were invalid. I tried many things. I checked to make sure the details were correct and they were. I tried using the name " cardholder, '' along with my own name. So I tried checking the balance in the XXXX website and wasn't able to. It said they were invalid details. I also tried checking the balance on other official sites, such as XXXX  and Vanilla gift cards, but it would not work. I've been scammed out of {$100.00} ( plus taxes ) by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I initiated a withdrawal from my Blockfi wallet on XX/XX/11 @ XXXX and XXXX XXXX. On XX/XX/11 @ XXXX XXXX, Blockfi sent me an email saying they were pausing all withdrawals until further notice. It's been over a week and my withdrawals have not been processed, despite being requested before the email notification. I'm very concerned I may not ever get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: HW Holding, Inc
State: NV
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:
Sometime in XX/XX/XXXX or XX/XX/XXXX I rented an apartment for my Uncle XXXX. After 2 months the apartment was broken into through the sliding glass doors. After only another 30 days XXXX 3 months into the rental agreement XXXX the apartment was broken into again and this time the XXXX busted in through the front door. After speaking with the police and the property manager, the property manager agreed to release me from the lease without any penalty and I signed a paper stating this fact and went about my business. I recently discovered an account for over {$4000.00} on my credit report for this. After contacting XXXX about this directly they told me that I had not paid the bill due to my having child support issues. Well, I have no children and no child support, so I am not sure if they have the wrong person or what is going on with this account. However, I know that I do not owe a bill to XXXX or any collection agency collecting on behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been a Bank of America for a few years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost BOM has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option. Surely there should be a grandfather option. Nothing was advised when opening this account that BOM would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business. I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to medical appointment. Constant automated message about call volume.I request BOM extend a waiver for a year that was offered to others in this situation by the XXXX Customer Care Resolution so that I have time to see what other options become available. I am a Senior with medical issues and limited income. 

Name on Account ( s ) : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : # XXXX Accounts : Checking, Savings Email : XXXXXXXXXXXX or XXXXXXXXXXXX

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 2017-01-10
Company: Colony Brands, Inc.
State: GA
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:
Online women 's clothing company - MONROE AND MAIN - illegally opened an unauthorized account with a credit line of {$750.00} in my name. On XX/XX/2017 I received what I thought was " junk mail '' to find a bill for a past due amount of {$39.00} notifying me that it the account has been sent to collections!! I immediately called to dispute the claim, charges, etc. Following up on XX/XX/2017 I was told they 've closed account with XXXX amount due and are recalling the notice to collections. Please direct me regarding steps to ensure this is rectified and that it will not effect my credit. Sincerely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-02
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I took out a loan with Tower Loans of XXXX la 17 months ago. I was told at the time, that I could repay the amount within 30 days for a {$200.00} - {$300.00} principal charged. I borrowed {$1200.00}. The manager at this establishment insured that I could repay within 30 days and it would not be added to my other personal loan balance. She sat with me and my husband with quick sign here comments. Less than a week later I went in to pay it off and I was told my payoff was {$3300.00}. When I asked about what I had originally been told, I was told that had been a false statement and how much will you be paying today. Feeling ashamed of myself for being fooled I have went in every month for the past 17 months and paid {$230.00} each time. Making my total paid in this time period {$3900.00}. I called for payoff this week and my balance is still {$2000.00}. Hearing this infuriates me. I have paid more than double the amount I was promised I could originally pay off. I spoke with XXXX the district supervisor and was made to feel like I 'm just trying to get out of paying my bill. I asked him some questions that he refused to answer. Like the APR and his cap % as well as how the principal is charged. He then took it upon himself to hang up on me. I feel this company SHOULD be looked into for unfair practices. I have basically paid almost {$4000.00} in PRINCIPAL. This should be illegal. Not to mention the tactics used to get me to sign a contract agreeing to this. I forgot to mention the harassing phone calls and overall BAD ATTITUDES of All their employees including the District Supervisor. The District Supervisor also told me, you 've been paying it for over a year, why is it an issue now. Well because I honestly believe I 'm being treated unfair and I honestly believe TOWER LOAN is breaking the law.

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 2021-01-25
Company: EQUIFAX, INC.
State: NC
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:
Over 40 days ago I submitted despite letters to these companies and they hvawnt given me any update nor have they responded to my complaint. These combine are in serious violation on congress law with their unlawful reporting on my credit report. Specifically they are violating U.S.C. Section 1692g and U.S.C. Section 1601. These have to be resolved as soon as possible. There is no reason why I should be suffering, still, for these inaccurate accounts reporting on my credit report. Please assist me in clearing my credit report up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CARD Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Monday morning XX/XX/XXXX XXXX made a purchase at XXXX in XXXX California on the way to taking my children to the doctor. While in the waiting room I got a notification that {$480.00} was withdrawn from my account in XXXX California. I immediately called CARD.com and told them to stop that transaction. They said they couldnt because it was pending. They said they would help me resolve the issue. But first had to cancel my card. I told I have no money, that I needed to pull some out before they canceled it. They gave me the runaround the rest of day going to several different banks and cash advance place attempting to withdraw with no results. They then said oh sir youve reached your daily limit I said no I hadnt taken or received any amount. So they canceled the card & left me with nothing. They said they were going to email me a dispute form and needed me to fill out & fax back in order to start the investigation. 2 days later, no email/form. So I called CARD.com to ask when my new card would arrive and why havent I got the dispute form? They said that hadnt issued the new card, did I want them to? They then stated their investigation was over and they declined my dispute. I asked what investigation? I asked what did they do? I got no answer. I told them I googled the address where my money was stolen and talked to the XXXX at a XXXX. XXXX said they will work with XXXX-CARD.com to help resolve this. CARD.com flat out told me No, they dont need to do that. 
I get paid minimum wage, work very hard and I have XXXX children. Can you please help make this right!? Please! I still dont have a new card, I little to nothing. Thank you for anything you can do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21
Company: CAVALRY INVESTMENTS, LLC
State: TX
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:
This is a complaint about a change in the XXXX date of delinquency from XXXX XXXX with XXXX credit Bureau. The original XXXX date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the XXXX report dated XXXX/XXXX/XXXX the XXXX date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I pulled a copy of my credit report and notice kia reporting derogatory information. I wrote asking them to verify and validate the debt. Kia have not responded to me at all.

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 2016-07-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
TOWER LOAN IS CALLING ME BACK TO BACK SEVERAL TIMES A DAY AND ALSO CALLING MY REFERENCES THE SAME, I HAVE TOLD THEM I WOULD PAY ON THE XXXX YET THEY STILL CALL SO MUCH IT IS HARRASMENT

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 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a XXXX XXXX account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. From XXXX XXXX through XXXX XXXX. They reported I was 30,60,30,30,60,90 days late. Which shown up on my TransUnion report. It shown bad marks from them on my XXXX report. I do n't have access to the XXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am disputing this charge, invoice from XXXX XXXX in the amount of {$90.00}. 
Several months back I contacted XXXX XXXX to service XXXX my AC units. The service call amount was waived because a new unit was needed. I called XXXX XXXX several times for a quote on a new unit. After a few days I contacted another Vendor that did a service call the same day and sent a sales person that afternoon. After a few hours of negotiating we agreed on a priced and I had a new unit installed and working the following day. 
I contacted XXXX when I received a bill and informed them of my dispute. They refused to acknowledge that they had neglected to follow up with me but actually became aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( nationstar ) old outdated information from over 10 years ago I have not received one update or letter or email from them

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 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
hello my name is XXXX XXXX, i had a car around XXXX years at go i sold it, i never had a chance to change it under his name i was busy, he said he ill take care of it and it seems like the new owner left it for some week with out moving it and the towing truck took it and he did n't take care of it and he just let it go. 
Now it is on my record, what can i do to with this case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.

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