BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I am the XXXX XXXX for the XXXX of XXXX XXXX. A resident, XXXX XXXX, came to see me regarding an issue he is having refinancing a home equity line he opened last year with Charter One/Citizens Bank. At the time of opening the line, the property XXXX XXXX owns at XXXX XXXX XXXX in XXXX XXXX had no mortgage. XXXX XXXX obtained a home equity line for {$75000.00} based upon Citizens ' appraisal of his home which came in at {$94000.00}. This year, XXXX XXXX attempted to refinance this adjustable rate loan into a fixed rate mortgage, but was denied by XXXX based on their appraised value of {$44000.00}. We have opened a separate complaint against XXXX based on this appraisal, which we feel is low for the condition of the property, however, another concern has arisen during our analysis of comparable sales. It appears that the Citizens appraisal was over-inflated and not supported by area comps. This led to XXXX XXXX being granted a loan that he can not refinance into a fixed rate mortgage because he can not get an appraisal to justify it. One comp used in the Citizens appraisal was for a property outside of the city, and another was for a parcel with very different characteristics. A detailed analysis of our findings is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was fraudulently stolen. On Friday XXXX XXXX when I received this news from the bank they told me they would ship a new card within 5-7 days. I asked them to ship it to a new address not the one on file. I was told this would not be a problem. On Saturday the XXXX I called to inquire about my card. They informed me it was shipped to the address on file, not where I requested it to be sent. I asked them to overnight a new XXXX due to their mistake and to waive the fee and they repeatedly refused to do so. I kept pointing to the fact I have n't had a debit card in a week and I should n't have to pay the {$12.00} fee due to their mistake and the supervisor said there was nothing she could do. I threatened to leave the bank that I 've been a customer of for over a decade and she did not seem concerned XXXX bit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX. 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX XXXX, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX XXXX. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --

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 2015-06-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt. 
They are however still reporting me monthly to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: ERC
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:
The one debt was from a phone company XXXX XXXX XXXX. They charged me for a service that I never received. I tried to cancel the service in which I paid but never received, but they gave me the run around. They would n't let me cancel so I went to a different phone company and the first company put me in debt for the contract. I filed a dispute which never showed up through XXXX XXXX. It 's been over 2 months and I have n't seen anything for the dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: ERC
State: TX
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:
Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Consumer Information Date Filed : XX/XX/2017 XXXX XXXX XXXX XXXX UNITED STATES Daytime Phone : XXXX Evening Phone : XXXX Fax : Email : XXXX ( email ) Business Information Business ID : XXXX Name : Citizens Financial Group , Inc . 
Address : XXXX City : XXXX State/County : XXXX Zip/Postal Code : XXXX Business Phone Number : ( XXXX ) XXXX URL : The consumer indicated that they WOULD speak to the media about this complaint. 
Complaint Detail / Problem Complaint Type : Service Issues Problem : I had to send a {$25000.00} check from an insurance company on an insurance claim to Citizen 's bank as no one at their local branches could endorse the check. I can not talk to anyone in the department that handles this. My check is now somewhere at the main office, and there is absolutely no one who can tell me where it is, who has it, and when they will return it to me, and how they will return it to me. I have a call into the office of the chairman, hotline, escalated help line, what a joke. I am dealing with XXXX, that is rude and condesending. She told me she will get back to me within two days. I asked if she could call the department and talk with someone, instead of sending a email. She will not call the department, it is all by email.I would imagine someone might be able to walk into that department, and talk to someone there if they really wanted to help their customers. 

I tried to deposit the check on XXXX. This is XXXX, the XXXX. Unbelievable. I can tell you I will move my checking account and loan to another banking organization that does not treat 20 year business customers like this. 

Desired Resolution / Outcome Desired Resolution : Finish the Job Desired Outcome : To overnight my check back to me, and/or deposit it to my account. The problem is I will be getting other insurance checks for this claim and have to go thru this all over again. So this entire situation will happen again soon as I receive more checks from the insurance company. This is insane, that they expect their customers to send large checks out to them, and not know who has them and how and when they will be returned. 

Complaint Background Not all of these questions are required. Please provide as much information as you have. 
1. Product/Service Purchased : banking 2. Model Number : 3. Contract, Account, or Policy # : 4. Order # : 5. Purchase Date : XX/XX/2017 6. Date Problem First Occurred : XX/XX/2017 Dates you complained to the company/organization 7. First Date : XX/XX/2017 Name of Sales Person 13. First Name : 15. Last Name : 17. Purchase Price : {$25000.00} 18. Disputed Amount : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: ERC
State: TX
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:
I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. 

I am now hoping you may help me with this case. 

Thanks :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-27
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have received calls daily from Hyundai/Kia financing. I have never purchased either of those vehicles, nor financed through them. I called them XXXX, to straighten everything out, and was told I would n't receive any more calls. I received a call on XXXX. I feel they are trying to harass to collect a debt, however they are calling the wrong person.

Company response to consumer: Closed
Consumer complaint received 2015-05-22
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a response letter to Enhanced Recovery Company, LLC XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, 2015 to verify and confirm a debt they claim was mine, and I never received a response. Yet within 30 days of the letter sent to the this Collection Company, they immediately reported a deliquent notice of {$450.00} to all three bureaus. 

This Credit Company violated all my rights. According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e - False or misleading representations. 

I contacted the original Debtor to further verify and confirm the nature and validity of the debt, and " is '' this debt associated to me or an act of false identity. They confirmed to me via telephone conversation that there was no debt of this nature found in there system or outstanding! 

As a result of Enhanced Recovery Company, LLC reporting an erroneous and false claim, I am personally being injuried via the this credit report. My credit scores has fallen from XXXX down to XXXX which affects my work and economic status. 

I would like to seek financial relief in addition to having my credit reinstated by all three bureaus immediately!.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.

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 2017-02-15
Company: Financial Assistance Inc
State: FL
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:
This account was closed on {$XXXX} balance. They want charge a overdraft charge came from XXXX when they suppose to put a stop payment and close the account when I moved to other Military Post by my personal decisions. I closed this account in good terms {$XXXX} balance and clean They leave the account open and XXXX charge me and small amount XXXX times and they charge me XXXX dollars fee when I did the correct steps to put an stop payment and close the account. The bank After this corporate mistake the Bank sold this account to Financial assistant collection and now they report and damage my credit for fraudulent fee. On multiples times I communicated and they were negative to delete the overdraft when I did the correct actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Valentine and Kebartas, Inc.
State: FL
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:
We signed up with XXXX XXXX XXXX XX/XX/XXXX and had an automatic draft to pay for services. We never signed a contract for any length of time with XXXX or XXXX XXXX to provide security monitoring for our home. As a security monitoring service, we understood that the agreement was month-to-month, and that all we would need to do to cancel the service was to contact XXXX and cancel the service. I am a member of the military and received orders to move XX/XX/XXXX. As there were many distractions with the move, it was n't until XXXX XXXX that I called to cancel services. I was told that I would have to cancel with the Home Owners Association, which sounded odd. When I called the Home Owners Association, I was told they had no part of our security monitoring system. I called XXXX back ; they again told me to call the Home Owners Association. I told them I did that and that was n't the case, so they reluctantly said they would cancel service. The following month, XX/XX/XXXX, a payment was drafted, and I called again to figure out why. The representative said to cancel with the home owners association and I told her of the previous exchange. After some coordination on her part, she assured me that service was terminated and that we did not owe anything on our account. She said the account was closed and there was no outstanding balance. Following this conversation, there were no more bank drafts. Then we received a letter from XXXX XXXX on XX/XX/XXXX saying we owed {$260.00}. We called XXXX XXXX between the XX/XX/XXXX-XX/XX/XXXX, and spoke with XXXX XXXX. He looked up our account but it did n't report an outstanding balance, so he told us to disregard that letter because it was probably a mistake. Then on XX/XX/XXXX we received a letter from Valentine & Kebartas for a debt collection in the amount of {$300.00} related to XXXX XXXX. I wrote a letter disputing the debt. We received another letter on XX/XX/XXXX from Valentine & Kabartas notifying us that they are " confirming our payment arrangement '' in the amount of {$300.00}. Within this letter they provided a person to contact, XXXX XXXX, with any questions. I called twice on XX/XX/XXXX and was assured she would call back if I left a message, and still have n't received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: SCA Collections, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently applied for a home loan. On my credit report shows a medical balance of {$210.00} with SCA collections XXXX XXXX. I disputed the information as I had never received a bill. Apr XXXX XXXX XXXX sent a bill. The first person I spoke to last week threatened to call my landlord. I tried again with my husband talking to them. They were very rude and stated they had mailed a bill I never received in XXXX XXXX. I also doubt this to be true as I updated my address with the bureaus last month. I asked if I paid the bill in full without even knowing if it was mine can they remove the collection. They stated no. I am being denied a loan because of a medical bill I never received. If a copy of the bill is needed I can upload it. I understand medical billing is a complex issue and outsourced lab work and so forth often do not know the insurance to bill. I was an employee at XXXX and most procedures if done in network, the hospital waives the charges beyond my co-payment. I am only asking them to remove the debt from the bureaus if I pay it in full and to send a complete medical itemized bill so I can see if insurance was billed properly. They declined when I disputed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Upon my Filing for Chapter XXXX, my daughter 's student loan, that I co-signed for, was taken out of deferment and charged off. ( sent to collection ). The bankruptcy was completed in XXXX XXXX and we ( Myself and daughter ) believe they are claiming that a payment was missed and a delinquency was reported in XXXX XXXX, for a payment amount that was established by them and at no time was it told to my daughter or I that it had been established. We think they are attempting to or will attempt to move the Statue of Limitation date. My daughter has been and is currently a XXXX with full deferment qualifications, with no lapses. She has Federal loans that to this day are in good deferment standings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me with a automated system so I asked who was calling and they would not tell me what or what they do just out sourcing. I have recordings and photos of my caller ID. I would not owe nothing within the last 10 years.

Company response to consumer: Closed with explanation