BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have Disputed this account since it came on my report XX/XX/2017. I am not the owner of this account. I even called and they said I would have to file a police report to have the collection removed. This is really hurting my credit. I am a teacher and I can not have false collection on my report. 

PHOENIX FINANCIAL SERV Outcome : Updated - The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bureaus have not responded to any letters since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Ten years ago I paid off a home equity line of credit with Bank of America. On XXXX XXXX, XXXX rec 'd a letter from them stating the loan was paid in full and satisfied and that there was no lien against the property so I was good to go. HOWEVER, I am currently scheduled to close on the sale of my house next Wednesday, XXXX and the title search in preparation for closing shows a LIEN on the property for the same line of credit referenced above. I have been calling Bank of America for over a week. Spent and documented at least 450 mins. Evidently it has been escalated somewhere but no one will tell me when/if I can get this satisfaction of payment recorded with the XXXX County Clerk which I NEED BY NEXT WEDNESDAY FOR MY CLOSING. Bank of America has the absolute worst customer service and automated telephone system Everyone pointing to everyone else. I have been hung up on, left on hold and been horribly treated when this is a blatant mistake on their part. 
I

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 2017-10-16
Company: Pendrick Capital Partners Holding, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the credit bureaus is incorrect. The company bought this medical debt and the original creditor is XXXX XXXX Department. The accounts that XXXX XXXX XXXX are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX XXXX Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX XXXX Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. In an attempt to help this matter, I provided documentation to the XXXX XXXX Department showing that I was covered 100 % during the service dates. I have had several communications with XXXX XXXX Department over the phone and via email and they are aware of the situation and said they have forwarded information and documentation to XXXX. However these accounts are still reporting as of today. I feel this is unfair and I would like this fixed immediately. I want to ensure that XXXX XXXX XXXX corrects these errors, remove this information, and cease reporting this incorrect information to all three credit bureaus. I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am in the process of trying to obtain a loan to buy a mobile home.  During this process, I was scammed once and they succeeded and the second time, not.Under the pretense of XXXX for a loan of $XXXX, and me with a poor credit rating, these crooks told me that they would deposit monies into my account and I was to send it back to prove that I am trustworthy. Now, I am out $XXXX!!! Second time, under the pretense of XXXX XXXX, they deposited $XXXX without me even realizing it.  Once it was deposited, I told them to withdraw the funds (after I checked into this, this time). Thankfully, Chase at least did the right thing then, and held the check and from what I understand, the thieves withdrew the check.  As I am an XXXX, I handle mostly everything online, texts, and/or email. I was trying to contact and get help from Chase for over a week to no avail, so I called them, at my great demise. Anyway, they are  closing my account and charging me the $XXXX from the-supposed XXXX-XXXX. After we hung up and me crying, I checked out the check that they had mailed me stating the funds were withdrawn.  Here this check is supposedly from XXXX XXXX XXXX Company!!!!! and my somehow by signature was forged on the back of this check!!!! I have never dealt with XXXX XXXX XXXX Ever!!! I do believe I should not be charged for any of this as it was not due to me!!! I got played huge!!!!! If you need phone numbers, please let me know. I am in the process of trying to get a hold of XXXX, XXXX, and XXXX   and put an additional fraud alert on my account. I already have one due to my information being leaked out 7 times, according to XXXX, via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Convergent Resources, Inc.
State: NJ
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:
Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.

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 2021-12-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 CitiBank, NA closed my credit card account that had a limit of XXXX Citibank said they closed my card because I was deemed a " high risk '' due to the fact I had open new credit card accounts. This is a complete violation of USC 1681 & USC 1681Q. 

Citi Bank took illegal adverse action against me for open new accounts while I was in positive status with them. 

Citibank accessed my credit file without my permission to discriminate against me while I was paying them on time every month which is violation. 

I've made all payments on time. There is no legal legitimate reason why Citibank closed my account. And now I am making payments on a closed account! 

Damaged to my credit has occurred as this was my longest aged account for over 3 years & my highest Limit of {$11000.00}

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is in regards to Capital One. I recently made a payment in error and now have a credit balance with them. Thats not really an issue as they will just refund the money. The issue is that they dropped my available credit to {$0.00} even though I have a negative balance. I am unable to use the card now and until they refund my overpayment they have all my cash on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid to the orginally creditor in total on XX/XX/XXXX. 

Since around the end of XXXX I have received phone calls from XXXX XXXX XXXX  and the debt is showing up on my credit. It has been re-aged and even after having it removed by the credit bureau after showing proof of payment from XXXX, it has been put back on my credit again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bureaus have not responded to any letters since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3.ACOUNT NAME : XXXX ACC BAL {$710.00} This was never validated please delete. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

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 2017-04-14
Company: Rauch-Milliken International, Inc.
State: MI
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:
Continued attempts to collect a debt I do not owe from ( XXXX ) by a collection agency/attorney ( Rauch-Milliken International Inc ) with intimidating collection letters, threatening ; negative credit reporting, court dates/costs/judgments, attorney fees, bank/asset garnishments, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
MY MORTGAGE COMPANY XXXX XXXX  GAVE ME THEIR NUMBER FOR EQUIFAX AT XXXX. THIS NUMBER CONNECTED ME TO A SCAMMER. THE AUTOMATED CAME ON FIRST AND ASKED FOR MY NAME, I PUT IN THE FIRST LETTER AND IMMEDIATELY A MAN WITH A FOREIGN ACCENT CAME ON THE LINE AND REQUESTED MY SOCIAL SECURITY NUMBER. I IMPULSIVELY GAVE IT TO HIM. THEN REALIZED THIS WAS NOT RIGHT. I TOLD HIM I FEEL UNCOMFORTAGBLE. HE RESPONDED, " I UNDERSTAND. '' I IMMEDIATELY HUNG UP AND CALLED XXXX AT XXXX XXXX. SHE TOLD ME SHE GAVE THIS NUMBER TO OTHER CUSTOMERS WITHOUT A PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was offered a fraudulent job through XXXX for a remote XXXX XXXX position. 
After filling out various paperwork, I was prompted to have an area set up for my home office. 
When they were prepping me to do so, they said they were going to send me soft checks to deposit in their vendors account and it would be delivered next day. 

The checks were sent through email and they wanted me to deposit through mobile deposit and when the funds were available I was told to withdraw the money and deposit it into a vendors account. 

The first check was withdrawn XX/XX/2021 of the amount {$4600.00} and the second was XX/XX/2021 of the amount of {$4500.00} The bank resolved the mobile deposits portion but I am in a horrible position because i withdrew the money without the acknowledgment that i was getting scammed.

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 2021-12-13
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This email is being sent with the hope of resolving a major issue that we currently have with a XXXX XXXX XXXX Back in XXXX of this year we ordered a new home through the XXXX XXXX XXXXXXXX. We placed an order for a home direct from the factory in XX/XX/2021. The home was delivered to the dealership at the beginning of XX/XX/2021. Both ourselves and our general contractor made it clear to this dealership that our property was not ready for delivery and set up. However the dealership went ahead and delivered the new home on our property XXXX of XXXX and it has been parked there ever since. It was only blocked up and left due to the fact that none of the utilities were available to be hooked up to yet. Just this past week our general contractor finally got clearance to install a sewer system. Just a few days ago Vanderbilt Mortgage called us and told us our mortgage is already due. We explained to him that the house is only parked on our property and that no installation has been done. Vanderbilt Mortgage then told us they were told by the dealership that the house was transported and ready back on XX/XX/XXXX, which was a obvious lie. The house is just sitting on our property. We were told by the dealership that once the house was completed and ready to move into, our mortgage payments would come 2 months later. The reason we chose to have a XXXXXXXX XXXX is because I work for a company that has purchased many of these homes. They are very high quality and well built homes. However this dealership has lied to us. They made the promise that once our home was ready and that we took the keys, the first mortgage payment would not be there until 2 months later. Now we're paying two mortgages because our current house is not sold yet and our new home is not anywhere near being ready to live in yet. Let me make it quite clear both I and our general contractor made it clear to the dealership our land was not ready for that home and we told the dealership to keep it there at their lot until our lot was ready. However Vanderbilt Mortgage has been told that the house was moved, set up and ready on the XXXX of XXXX. It would appear the dealership was in a rush to get it off their lot so they could have funds in their account. This is an obvious breach of our agreement with the dealership. We are wishing for your immediate attention into this situation. Again I must emphasize that we still have faith that this is a quality home but it's not in our possession yet so why are we paying for it already? It also must be noted we don't even have the keys or any access to this home. Thank you for your time and attention to this matter.

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 2017-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed the following accounts with Experian. I have told Experian that I have no contract with any of the following companies : XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX/2017 XXXX XXXX/2017

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 2019-12-17
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In the meantime, PHH mortgage is piling my account with additional penalties and fees. Below is my communication with PHH Mortgage. Ive attempted to contact the representative XXXX as stated in the letter. Her mailbox is full. Its over an hour hold time to speak to another rep. 

I have wrote them several times requesting to stop payment on the check and make the payment on line without being charged a fee. Below is the most recent communication. 

Dear XXXX, We received the document attached to your emails on XX/XX/2019. Based on the tracking number, the mail is still in transit. Please contact the United States Postal Service ( USPS ) to check the reason for the delay in delivering it to us. 

Should you have any further concerns, you may contact XXXX directly toll free at ( XXXX ) XXXX, select option 1, extension XXXX or email XXXX at XXXX. For general account questions you may visit XXXX. You may also contact PHH 's  Customer Care Center via telephone at ( XXXX ) XXXX during the following hours : Monday? Friday XXXX XXXX? XXXX XXXX  ET Saturday XXXX XXXX? XXXX XXXX  ET PHH Mortgage Services, LLC XXXX XXXX   XXXX XXXX XXXX, NJ XXXX PHH Mortgage Services, LLC is a debt collector attempting to collect a debt and any information obtained will be used for that purpose. However, if the debt is part of an active bankruptcy case or if your personal liability on the loan has been discharged through a prior bankruptcy court issued Order of Discharge, this communication is not intended as and does not constitute an attempt to collect a debt and is provided solely for information purposes. 




Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX To : XXXX Subject : Account Date : XX/XX/2019 XXXX XXXX  CST Hi, Can I make the payment over the telephone and stop payment on the {$22000.00} check I mailed? The check is lost or sitting in your post office box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received XXXX letters on XX/XX/2017 that all XXXX of my checking and savings accounts were being restricted in 20 days and closed in 30. No information or phone number provided. Also, I discovered that all XXXX of my credit cards were already closed. These accounts were for XXXX businesses as well as my personal accounts. I have been with them for 10 years and never had an issue. They do my merchant processing ( credit card processing ) and hold XXXX of my mortgages as well. The bank manager at my local branch was unable to provide any information nor was a supervisor on the phone. This is a huge hassle because of my automatic payments, outstanding checks, loss of XXXX credit lines without warning, XXXX 's of useless checks that cost money as well as the deposit stamps and my loss of rewards points on the credit cards. I also found out that I will not be able to open accounts with them in the future, not that I would want to anyway after this experience. I would like to be able to appeal the decision, receive an explanation, get compensated for my hundreds of dollars in lost checks and receive my rewards points money that I earned. A bank should not be able to treat their customers like this without wrongdoing and justifying their actions. Very upset and disappointed.

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