BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2015-06-25
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 've informed the loan company that with a loss of a job, I 've had some difficulties paying on my loan. I have made payments when possible and I continue to work towards paying off the loan. When the manager of the company calls to collect, that 's understandable. I do n't have an issue with him trying to collect. The problem I have is the manner in which he speaks. Knowing I have lost my job and just started a new one, this manager says that I am being a " coward '' and that " I 'm not a man '' for paying on the loan when it 's due. He has stated that he " does n't trust '' me as a person and he keeps calling my job after I have asked him several times to stop. I have an issue with this. For him to get personal with me like that, bully me, and harass me at work after I told him I will get in trouble for the phone calls, I 'm fed up with the way he acts and I want someone else to step in and handle this. To put me down and degrade me, knowing I just lost a job, and to call me a coward and telling me I 'm not a man is not only just plain rude, but it is affecting me on a personal level. I try hard to support my family and pay my bills. It 's not my fault that my old company was sold and me without a job. I 'm trying to do what 's right but to be put down and harassed is truly uncalled for. My complaint is that I 'm getting bullied, harassed, and put down by this manager, even after I have tried to make payments to him, and I want it to stop. I do n't have any desire to deal with this guy anymore and I know I should n't have to. Please help me get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited three checks about a week ago in late XXXX, 2020 for the sum of XXXX into my Chase checking account. All three checks cleared. Yesterday my debit card for my personal checking account was declined. I went to the local Chase bank in XXXX XXXX and asked what was going on and Chase had frozen my checking account. The branch manger told me she could not speak to me about it, I had to talk to the security department over the phone. The woman from securities was extremely rude. She said she couldn't verify any of the checks. One of them was a personal check and two were from separate companies. They called the number I provided for the personal check ( XXXX ) and said it was verifiable but they couldn't verify the other two ( XXXX ) and they couldn't give me the funds until they could. 

The next day my account was closed and my money was gone, including the remainder of funds, not affiliated with these deposits. I went into another Chase bank and spoke with a banker. He called Chase securities again. He seemed just as baffled as me. He said " I'm not sure why they are doing this to you, it doesn't make sense to me either. '' After the call he apologized and said there was nothing he could do. 

My rent check didn't clear and I am missing payments on my credit cards. This is doing a lot of damage and it seems illegal. I don't know what is in place here to protect me, the customer, but it has been very damaging to me financially and caused so much stress. I feel that I am being treated like a criminal when all I did was deposit three checks, which I have done many times in the past.

I have attached the three checks in question at the bottom in PDF format -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a letter from a supposed attorney working for Professional Finance Company. He only identified himself as XXXX XXXX. There is no law firm contact information at all. He only suggested me to call Professional Finance Company to pay the alleged debt. He threatened to take legal action on this matter and seek judgment against me. 

He states that he will not initiate any legal action until I have exercise my rights ; which I did a year ago ( XXXX, XXXX ). I requested a validation of my debt ( a detail statement and a copy of the contract which bears my signature ) the only paperwork that I received was a copy of a statement which included the name of the " original creditor '', interest rate, interest accrued including fees and total amount due. 

I sent them a second letter stating that I needed more information on the debt and they kept sending me the same statement. PFC said it was all they needed to provide to collect the debt from me. Which I didn't agree and they reported me to the credit bureaus. To stop this misleading information, I decided not to fight it with them nor the credit bureaus. 

After a year ( XXXX, XXXX ), they threaten me to take legal action against me but they keep sending me the same statement but now with a different account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company will not automatically terminate my Private Mortgage Insurance even though the balance of my loan is well below 78 % of the purchase price of my home. They want me to authorize and pay for an appraisal which according to the law should not be necessary and I have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
hello : i sent XXXX dollars to my brother in law over seas with western union. 
after 55 days i was told the transaction was declined and for the last 4 days i have been trying to get a refund and i got no good answer, every time i call am put on hold for a good hour and a half then they till me we will call you back with an answer. 
i never got that call my name is XXXX XXXX XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Debt Recovery Solutions of Ohio , Inc. stating that I owe an outstanding balance. I am disputing the claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. Debt Recovery Solutions of Ohio, Inc., did not complying with FDCPA and with the FTC. Under the FDCPA Section 806,807, 809,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, and FCRA 605B ( 15 U.S.C 1681c-2 ) failed to submit the proper documentations to validate the debt. Due to the Coronavirus ( COVID-19 ) Pandemic and the time frame of the actual implementing judicial procedure for processing from XX/XX/XXXX- XX/XX/2020 a Summary Judgment was granted in favor of the Debt Recovery Solutions of Ohio , Inc . I was unable to have the benefit of counsel and fair judicial process, this debt is fraudulent and never validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I opened Citi Gold checking account thru internet. At that time, XXXX bonus points of XXXX was offered with certain requirement. At the time of opening the account XXXX XXXX, I confirmed with an officer of Citi. I fulfilled the requirement in early XXXX XXXX and confirmed with an officer of Citi. Since I had not received the promised bonus points, I have contacted with Citi officer in XXXX twice saying the points would be posted by XXXX. Today, XXXX XXXX, XXXX, I have n't received. I have contacted the Citi and XXXX told me I 'm not eligible since I do n't have any letter saying I 'm eligible to receive the bonus points. My previous confirmation ( more than 3 times ) is noting. It was internet offer to general public. How can I show the letter. Why should I show even I have confirmation from the citi officers ( 3 times with evidence actually 4 times ). I believe Citi must stop deceiving general public with fake promotion. Please make Citi stop deceiving general public. 

Attached plz find the confirmation with Citi Officers. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/22, a direct money link transfer of {$10000.00} was made from my personal XXXX brokerage account into a Crypto.com account. This was done using exactly the methods of transfer requested by Crypto.com. Another direct transfer of account-to-account using the exact " seamless '' quick method advertised by Crypto.com was used to conduct a wire transfer of {$1000.00} to my Crypto.com account as well. It was advertised that by Crypto.com that using these methods would see the funds deposited in my account within 24hrs. This never happened. 
When Crypto.com was contacted about these transferred, which were confirmed accepted and completed by my institution, they claimed to have no record and requested multiple rounds of personal information including name, social security, personals bank account numbers, and personal banks statements. When these were provided, they stated that they did not have the correct information and thus could help. When I pointed out their own policy that any funds that do not make it into the designated account are to be returned to the sending institution within 7 to 11 business days, they directly contradicted this and stated they needed further personal financial information to confirm my identity and transaction. At this time, they claim they do not have any knowledge of these transfers or where the money may be and can not assist me further unless I divulge the entirety of my personal banking information to them. 

These requests and inability to conduct basic financial transactions concern me for fraud and theft by Crypto.com against myself and while I will likely not have this issue resolved, I wish to make a formal complaint and enter it against Crypto.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Good day-I have disputed on several occasions an inaccurate XXXX XXXX car loan reporting by TransUnion Credit Bureau. My first letter was sent on XX/XX/2020, second letter was on XX/XX/2020. To date I have not received a response to my last letter-the inaccurate information still remains on my report. By not replying and not providing me any viable evidence TransUnion has violated the federal law. 

Please note this information is not reported on any of the other credit bureaus.

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 2015-11-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Citibank 's Credit Card division is charging me a late fee. I sincerely apologized for any inconveniences caused on my end. My card was not valid since the end of XXXX so I did not know there was any balance being carried on my card. I was sent an email by the Citicards, saying a small balance was due, and immediately went to pay the full balance owed on the account when I saw this but was charged fees on top of this balance. I made the payment through my checking account with Citibank. I do not seem to be the type of consumer that the Citibank Credit Card division would credit charges of {$25.00} to automatically. I made such a request through the bank 's online messages. I have been a good cardholder for the company since 2010 and would appreciate continuing the relationship in good faith. I would be open to taking any action which Citibank would be agreeable to to be credited the late fee including closing some of my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have learned that Target is reporting to all three Credit Bureaus that I have been late for payments XXXX, XXXX, and XX/XX/XXXX. I contend that these reports are inaccurate, false and misleading. Therefore, I am submitting this complaint pursuant to FDCPA Section 807 ( 8 ). 

XX/XX/XXXX, I closed the Target account and initiated a " Temporary Special Payment Plan '' which did not include " late fees ''. See the Letter of Details from Target dated XX/XX/XXXX. I closed the Target account due to accumulation of financial hardships and continued late fees added even when I made payments. Target continue to report to all three credit bureaus that I have been late on payment for XXXX, XXXX, and XX/XX/XXXX! See the payments made attached. I state not only did I pay for said months, but I have not been late with the payment agreement for the last 12 months! 
Target reports are incorrect, false and misleading representation 15 USC 1692e, and in violation of Fair Credit Billing Act. In addition, Target reports are in wanton disregard of their own written " Temporary Special Payment Plan '' agreed upon with me as a customer/client. As a result of these false and misleading representation to all three Credit Bureaus, it impacts my credit life and prevents me from obtaining loans or credit lines that are in the best interest of my welfare and livelihood. 
I state that Target has a legal responsbility of furnishing information to consumer reporting agencies with : '' completeness '' or accuracy of any information furnished by Target. pursuant to U.S.C. sec. 1681s-2 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The home was in the mothers name who purchased the home for her daughter. The daughter has lived there 20 plus years. Her father passed away first and then her mother passed away. The home was willed to the daughter ; however, the daughter went into a XXXX. Long story short she has recovered and regained employment and is well able to afford the mortgage. The loan is in the mothers name only and for almost a year the daughter tried to get them to acknowledge her and deal with her in regards to the mortgage. She finally got help through a non-profit and was in the middle of assuming the loan. We began the process on XXXX XXXX, they asked for credit authorization on XXXX XXXX, which was uploaded through XXXX on XXXX XXXX. It went back under active review on XXXX XXXX and today, XXXX XXXX the file is still under review ; however, they proceeded to foreclosing on the home today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CrossCountry Mortgage LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Upon running my credit on XX/XX/19 and issuing a mortgage commitment and several closing dates and changing my mortgagee on my insurance. As of XXXX, In the midst of a pandemic and financial uncertainty, Cross Country Mortgaged, misled, mistreated and blatantly lied to me on multiple occasions. It saddens me that cross country has operated in such a manner. It has caused me over {$14000.00} in Out of Pocket expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am enrolled XXXX in college I filed for a XXXX student deferment. When enrolled in classes the ECMC place my loan in default. They now have harass letters and refuse remove loan default status. The ECMC verified I am enrolled XXXX and still harassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, This has been an ongoing issue with CITI Bank since XXXX XXXX. The previously filed complaint number is : XXXX I consulted an attorney -- XXXX XXXX, XXXX XXXX - XXXX ) to work on reaching a settlement with CITI back in XXXX and after at least XXXX reassignments of Agents and 18 months CITI assigned an agent to review the case. 
XXXX XXXX Homeowner Support Specialist XXXX, Extension XXXX ( use leading XXXX ). 
CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX After numerous communications and providing all needed documents on XXXX XXXX, XXXX we were informed that the case has been referred to a negotiator - Attachment # XXXX. 
Later I was informed that the case had been assigned to a Law Firm on XXXX XXXX, XXXX. 
This is is an small example of frustration that I have experienced with CITI and their mortgage operation.

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 2017-02-28
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had obtained the services of an ambulance in a XXXX emergency. The Ambulance company is a contracted provider with my insurance and did not bill such correctly, and placed me into collections in error. I have attempted to resolve this matter for well over a year, while this debt remains on my credit report. The Ambulance company has finally billed the insurance carrier, obtained payment in XX/XX/XXXX2016, however the collection agency insists on billing me for the interest accrued and refuses to accept my co-payment that is contractually agreed with my insurance of {$200.00}. The collection agency Manager is rude and aggressive and refuses to allow resolution to this account, despite the Ambulance company acknowledging the error and that only a {$200.00} co-payment was due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation