BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Allied Collection Services, Inc. (Nevada)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I attempted to verify this debt and the amount with this company XXXX different times. I never received anything back. I verified my address with them, and still, nothing ever came. I do not think they can verify it. I have tried to dispute, and it has not been resolved I now have to submit a complaint because the amount of the debt keeps growing without notice or any validation. 

The company claims the original creditor and the credit bureaus are taking on the fees on this account and that I owe an amount that I do not owe and have not been made notice of or actually owe as its fraud and all I have wanted to do was get this resolved and this company on recorded lines have made claims that the credit bureau is responsible for the amount and the fees and it can not be removed disputed or settled after 6 times in the last year trying to verify and not receiving anything back. 

Please remove this, as it is violating my rights and hurting my credit.

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 2022-11-14
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LINEBARGER GOGGAN & SAMPSOM, LLP - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Tel # : XXXX This debt is from the XXXX XXXX Red light Signal infraction ticket from a rental car ( XXXX ) that rented in my name while my car was been fixed. Car was being driven at the time by my wife when the infraction occurred. The photo from the ticket shows her clearly driving the car and I wasn't in the vehicle. When the ticket I arrived, filled out the information letting the agency know that it wasn't me driving the car and included all the relevant information of my wife ( DL # ). She has since taken care of the issue and have the court dismiss the ticket. I am however receiving harassing letters and they have refused to go back to their client and verify the dismissal of the said ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is servicing both my federal student loans, as well as a private loan obtained while I was an XXXX. Due to my limited income as an XXXX, my federal loans are being repaid through the Income-Based Repayment option and they are current. However, my private loan, which initially totaled {$31000.00}, is now more than {$80000.00} as a result of usurious interest rates ( 10.75 % ) and numerous forbearances granted while in graduate school. On XX/XX/2017, Navient agreed to lower the interest rate and reduced my monthly payment to {$340.00} per month for 18 months. My account was automatically debited for two such payments ( one in XX/XX/XXXX and another in XX/XX/XXXX ). Without warning or explanation, Navient increased the payment to {$1800.00} per month on XX/XX/XXXX - more than I actually earn each month. 

Navient 's approach to loan servicing is disingenuous and borders on fraud. These practices have been well-documented by the CFPB and forms the basis of the Bureau 's recent legal action against Navient. I sincerely hope that the CFPB continues to pressure Navient, through the courts, to cease and desist in these fraudulent practices and that those of us who have been injured, despite our good faith efforts to resolve our financial obligations, finally receive just remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chex Systems Inc. has a recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. 

Yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the XXXX XXXX XXXX XXXX XXXX & # XXXX  ; s office, should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non- compliance.

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 2016-06-23
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I cancelled an online bill payment to XXXX XXXX online on XXXX/XXXX/16 ( just the occurrence on XXXX/XXXX/16 ; not the entire series ). This payment was still taken from my account through US Bank 's online bill pay system on XXXX/XXXX/16.

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 2015-10-19
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am writing because I reported a fraudulent charge to my credit card company, they refunded my funds and now they have put the charge back on my account. I explained that I was the victim of identity theft and do n't know how someone also used my card without my permission. The charge was for XXXX for a company? XXXX My bank said they would issue my credit, they also cancelled my card because of the fraud I assume but now they are trying to take my money back. Thought I would see if you could help me before I have to spend more money on an attorney who said he would file arbitration paperwork or go to court on this matter Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company failed to pay my real estate taxes out of my escrow account even after XXXX delinquent notices were received by them. When they were questioned about this, they proceeded to scream at me and refused to pay it, including the late fees and interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Residential Credit Solutions, Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage through Residential Credit solution for the past three years I continually sent information to have our mortgage refinanced. They not only gave me the run-around they continued to put are home up for a Sheriff sale. In the past three years we have put {$30000.00} on our mortgage only now we owe more money then what it was owed. XXXX continually to refinance stating that we did n't give them all the information which was not true they just continually gave us the run-around only XXXX have the company shut down and we come to find out that they done this to other people this company stole from us lied to us and all we want is that money credited properly to our account.

Company response to consumer: Closed
Consumer complaint received 2016-09-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 my employer sent my salary by way of direct deposit to a Chase checking account where I was no longer the account holder. I contacted Chase Bank on XX/XX/2016 when I realized that my check was not rerouted to my new bank. I spoke to a Chase employee in collections and overdraft protection, who informed me after talking to her senior specialist that my check would be rejected and returned to my payroll department, and it would take 4 days. 


In 4 days I began to call Chase Bank again and I continuously called the bank for information because the check was not returned. On XX/XX/2016, I was lastly informed that due to the fact that the account was in the negative it does not matter if I am no longer on the account, they are not going to return it and that the request need to come from my Human Resource Department to request the return of the deposit if it was deposited into the incorrect account. 

I contacted my payroll department who informed me that they were not familiar with that process and if a direct deposit by error is deposited into an account which I am no longer the account holder the Bank should return the check. Being the XXXX, I sent a request on City letterhead via certified mail to the Executive Offices of Chase Bank at XXXX XXXX XXXX XXXX Tx, XXXX requesting the refund of the check on XX/XX/2016. I requested a return explaining the check was deposited into an incorrect account and I have not received a response to my letter or a refund of my misapplied funds. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: AES/PHEAA
State: FL
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 received an email from American Educational Services ( AES ) to my school district protected account. AES was offering a student loan consultation service for the student loan forgiveness program. I was told they were contracted with XXXX XXXX XXXX. I was charged a {$390.00} fee for their services. After speaking with Fed Loan Servicing, I feel as if this is a scam. They stated that I should not have been charged a fee for this assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently decided to sign up for a credit monitoring service so I could check and monitor my credit. My family is looking to purchase a new home in the near future. Upon doing this I noticed some collections that are of big concern to me and I feel are in violation of my rights. ProCollect is stating that I owe them {$270.00} three times on my credit report from a company called XXXX XXXX XXXX XXXX. The account numbers are Procollect # XXXX, XXXX & XXXX. In addition, all XXXX dates reported are for XXXX 2015. I have never visited this company in order to get XXXX bills for the exact same amounts. I have written ProCollect starting XX/XX/XXXX and they have not validated that I have XXXX medical debts for the exact same amounts with the same company. I can not get anyone from Physicians Emergency care when I tried calling to verify I have XXXX bills owed for the same amounts. Since ProCollect has not verified the accounts after 2 attempts by mail. My belief then is that they are in violation of the Fair Debt Collections Practices Act and the Texas Finance Code for placing multiple collections on my bureau for the same thing. Due to this it is my belief that they should be removed ASAP from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
First Bankcard froze my credit card without notifying me alleging late payment which included a recurring payment to XXXX XXXX that I had specifically told First Bankcard was not valid. As a consequence, my truck repair could not be paid using the First Bankcard and I am on foot in XXXX, Colorado without access to medical care. First Bankcard customer service told me I had to call XXXX to cancel my account which I had already sent a written response to XXXX at the XXXX XXXX address. My credit available showing is well over {$4000.00} but my credit card was frozen for {$45.00}, which I paid electronically today. Despite that payment, First Bankcard is unwilling to unfreeze my credit card until midnight tonight. I can not get my truck until tomorrow which puts me in hardship and I now have an XXXX in my foot which requires medical attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I noticed a new account linked to my Bank of America account. I only have a Bank of America Platinum Plus Mastercard that I have access to online. Another account was added under my login that was listed as, " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ''. Details show the account may have been opened on XX/XX/XXXX with several transfers of credits and debits that include a description listed on XX/XX/XXXX noted as " Transfer from my name to an unknown name listed as XXXX XXXX. After immediately contacting Bank of America Fraud Dept when I noticed this on XX/XX/XXXX, they initiated their process of identity theft/fraud. I did not open this banking account and do not know who XXXX XXXX is as this name is noted with the transfers. I also completed a police report with my local police department. 
After receiving further documents from Bank of America, I don't know how this account was opened with my name but there were two separate checks used to make the deposits. Each are {$99.00} and dated XX/XX/XXXX with my full name, address, email address, and former telephone number listed and show XXXX XXXX as the check account which appear in the line items of Bank of America on XX/XX/XXXX. I do not have a checking account with XXXX. The signatures on each check are obviously computer script and not my own. Memo line on one reads Electric Bill and the other check reads For Purchase. Transfers, returns, and fees from XX/XX/XXXX through XX/XX/XXXX appear as line items in the Bank of America detail. This account has since been removed and closed. However, Bank of America is requesting very personal information from me to mail back to them that includes my driver 's license, copy of social security card, copy of social security statement, copy of police report, proof or residency, any original documents received. Their letter says to mail or fax all of this within 30 days or my claim will be denied. This seems extremely shady that Bank of America authorized a fraudulent checking account in my name and now in order to pursue my claim they need all my confidential and sensitive documents that a person could potentially apply for any credit for anything. This seems highly inappropriate for Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called  XXXX   XXXX  license number  XXXX  called and attempted to collect on a credit card account from    2003  that was paid in full with the company Washington mutual via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In early XX/XX/XXXX, Bank of America suspended my Home Equity Line of Credit. After a couple of weeks trying to find anyone who had any clue what was going on, I was finally told " it 's being closed because you use it as a transactional account ''. I explained that reason was nonsensical, and that my loan contract provides specific reasons why the account can be closed. I read each reason, and was told each of them do not apply. The response was simply that Bank of America can do whatever they want, and since the decision was made they do not have to justify it. I insisted on speaking to a supervisor, and was promised a callback from a XXXX. I never received any calls. 

I submitted a CFPB complaint in XX/XX/XXXX about this matter. After " looking into it '', it was simply reiterated that they 're closing it because it was " not used as intended ''. I explained there is no specified intended use, and closing it is a breech of contract. I was then told that they havent closed my account, just suspended it, thus there is no breech of contract. I then had to point out that my contract has reasons why the account can be suspended, in addition to reasons it can be terminated, and it was becoming obvious that no one at BofA had actually read the contract to which they are bound. At which point the representative became non-responsive, only repeating that the reasons do not matter and BofA can do whatever they want with no need to justify it. I again requested a supervisor to deal with this blantant non-responsive response, and was promised a callback within XXXX hours. No call was received, and all further attempts to followup has resulted in my voicemails being ignored. 

At the advice of the CFPB Ombudsman, I am resubmitting this complaint in the expectation a new XXXX Representative will treat it seriously and actually research the complaint, and address the issues involved.

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 2022-11-14
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Other than back to back calls, after hours and weekends. They have shown up at my house three times. They say they do not do business with XXXX XXXX XXXX, who I eventually shared that I had joined to pay them due to my financial hardship, but each message is different from them. One lady pulled up on me here at home when I was outside cutting grass. Then a man showed up at my front door on the XXXX, I believe, then he returned today, knocking repeatedly on my door. They are harassing and scaring me. They told me on another phone call that, if they received money from XXXX XXXX XXXX  they would accept it but I would still owe the balance. Then this weekend, they called and said they would garnish me by XXXX And then showed up today, Monday banging on the door. 
They are Tower Loans, phone number XXXX. 
I have XXXX videos on my tablet of him at the front door that I can not attach. If you need them send me an email and I can forward them. You would be shocked. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Cedars Business Services, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : XXXX. Validation of the alleged debt ( the actual accounting showing a loss ) ; XXXX. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation