BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-15
Company: First Advantage LNS Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 the follow message was sent to the apartment complex : Hello xxx, After careful deliberation I would like to proceed with option number one of the buyout options. This email will serve as my 30 day WRITTEN notice that I will be vacating the premises on XX/XX/2019 and moving into my new residence. My decision to vacate and break this lease is as following : Repairs from XXXX are still not fixed such as : missing screen of window and main entrance door still bended in Pest problem is horrible, when pest control came it made the problem worse Roommates moved out and I can no longer afford the monthly rent on my own without being able to live life comfortably. 

And the property isnt well kept among other things. 

I will appear to court on XX/XX/XXXX as requested, but I have no intentions of continuing to occupy this apartment after the XXXX. This email should serve as my notice to vacate. If I need to provide a court ordered document please let me know ASAP, but please honor this as my 30-day notice. 

Lastly, please provide any forms that my guarantor and I need to sign and we will pay the {$1700.00} before we move as your previous email stated. 

Thank you and I look forward to hearing from you soon. 

Respectfully, XXXX On XX/XX/2019 this email was acknowledged by apartment complex and signed agreement and lease buyout forms. On XX/XX/2019 I appeared to court for unlawful detainer case. I submitted my lease buyout fee that equaled to a months rent and vacated on the date I said i will the judge dismissed the case as a non-suit. After following the complex terms, paying them and vacating willing all a part of our agreement they still sold an unverified debt to National XXXX audit collectors on XX/XX/2019. I disputed this with all 3 credit bureaus and only 1 out of 3 removed it from my credit. National credit audit corporation refused to remove it off of my other two reports. The original creditor did not verify this collection they sold it to national credit audit and there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has violated my rights as a consumer and I am requesting legal action to remove this account AS SOON AS POSSIBLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX : Closed No Penalty CD acct. & instructed to have the money transferred to an outside bank. Called Marcus XXXX to confirm and was told that it was closed and they said " as per Federal Regulations, it takes 7 business days to receive funds ''. Then I went to look at my account online, I didn't see it was closed and called Marcus again. Was told it was closed and I wouldn't see the closure noted on my account until the money is transferred. 
Today, XX/XX/XXXX, I received a letter from Marcus mentioning a maturity date on this CD as XX/XX/XXXX. I thought that odd and called Marcus again. The rep told me that the maturity date was the initial date of the CD and I can disregard the letter. Then she saw I indicated me wanting an ACH transfer and questioned that it should not take this long to get the funds. She checked further and saw the account was NOT closed. I was very upset. So now she asked me if I want to close it ( when I was told, twice, it was ) and I said yes and requested to speak to a Supervisor. Spoke with Supv, XXXX, who said the rep on XXXX gave me wrong information of it taking 7 business days and they need to educate this person further. Then the phone disconnected and she didn't call me. So I called back and spoke to Supv, XXXX who said the " transfer is in the last money stage '' and that it could take 1-5 business days to receive the funds. So now I have to wait another week. They did confirm the account is now closed ( XX/XX/XXXX ). Case # XXXX. 
I told XXXX I am going to report this as its very upsetting and embarrassing as I told people I would pay bills this week and it may not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received some texts and calls from phone number ( XXXX ) XXXX XXXX with pictures of my social security card and driver 's license. When I went to lock my credit on XXXX it showed that I had 4 hard inquiries to open credit that were fraudulent and lowered my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: Convergent Resources, Inc.
State: CA
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:
Convergent Outsourcing is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a XXXX XXXX Account that is not mine. Collection notices are coming to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Massachusetts Educational Financing Authority
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans with XXXX, I refinanced them through MEFA in XXXX of 2020. MEFA never paid off XXXX. Now MEFA/XXXX  are demanding payment and charging me interest for student loans they never paid off. They did not pay off the loans that I was refinancing. My student loans instantly went from XXXX to XXXX and are being reported on my credit report. 

This is 100 % fraud on MEFA/XXXX. They refused to work with me and are now demanding payment for loans that are invalid since they did not payoff the loan that was being refinanced. 

I contacted MEFA at XXXX multiple times about this and they say there is nothing I can do and I am responsible for paying them. 

So now, after attempting to refinance I am still responsible for paying the original loans to XXXX while MEFA is also demanding payment. I am also accruing interest now on invalid student loans and is about to be marked as delinquent to an invalid loan which is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Our  CapitalOne a ccount was charged {$12.00} on  XXXX  ,2017  for a trial offer from  XXXX  which we paid and canceled any future shipments. Then beginning  XXXX / XXXX /  XXXX   the statement was charged {$110.00} so we called  CapitalOne and was put on a 3-way conference call with a rep. n amed  XXXX  from  XXXX  who gave us cancellation confirmation numbers and we returned any products shipped, but when we got the  XXXX  statement after being told the charges were being reversed, another {$180.00} was added back, plus interest. We had written the vitamin company, spoke to supervisor s at CapitalOne and sent documentation to all and even asked CapitalOne to close out the old account and give us a new number to avoid further charges ; however, they are still adding the charges to the NEW account now! Our balance continues to increase along with the monthly payment in spite of our compliance in doing everything possible to dispute the   XXXX   offer. Our next option after complaining to the FTC and General Counsel will be to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had my wallet stolen in a XXXX hotel room on XX/XX/2021, there was almost {$1500.00} unauthorized charges on my account. I called them and they said they will block the credit card and send me a new one and open an investigation. Today is XX/XX/2021 the charges were reverse against me and I called them, they said to reopen the investigation they need a police report from where it happened. Im no longer in XXXX and I live about 8 hours away! This was never told to me when I reported the credit card stolen, not sure on what to so since this garbage company doesnt want to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
my name and credit info was given to this company named Collection Professionals by a XXXX XXXX. I spoke with this company who refused to rectify this debt by way of giving it to the responsible party. i paid the XXXX dollars because i was threatened by this company that they would report it on my credit. This debt is not mine. They even put a XXXX, illinois address on my file which i never lived in XXXX, Illinois. I never agreed to this debt or signed my name to approve any services from a doctor or this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: Focus Holding Company
State: CA
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 do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Rushmore Service Center, LLC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from XXXX Center about a debt. It was original XXXX, In Which I did have a card. When I called XXXX center, to get an explanation of the debt and how did they arrive at that amount I was told they did n't have the information. How can someone asked me to pay a debt but ca n't explain to me how they arrived at that balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Midland Credit Management was sent a notarized and signed affidavit about their clear violations of FDCPA and FCRA. They continue to contact me via mail to collect an alleged debt. 

Midland is in violation of 1. 15 USC 1692b ( 2 ) 2. 15 USC 1692b ( 5 ) 3. 15 USC 1692b ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: PA
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:
I was unemployed in 2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX XXXX XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan. This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding that XXXX XXXX XXXX, XXXX XXXX XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX XXXX XXXX that my loan defaulted and not any fault of my own. I have made multiple attempts to try and get this situation resolved ; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX XXXX XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer 's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived there XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX  XXXX and moved back in 2015 due to a roach infestation. They refused to fix the problem and I moved out a month and a half early with my kids. I was paying {$600.00} to {$700.00} per month. When I moved out they sent me bill for {$3100.00}. I couldn't believe they came up with this number. They transferred the debt to Professional Debt Mediators XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX The interest and prices that they hit you with is wrong. I had a month and a half of rent to pay and I was willing to pay that but they charged me over {$3000.00}.

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 2021-08-15
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am covid protection still have all the original letters and this company is reporting. The negative payments contradicting the covid statis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX of 2014 I pulled a copy of my credit report and noticed a collection for {$1000.00} reporting with a company called XXXX XXXX XXXX. Because I had no clue as to where this account came from or who they were, I requested documentation to validate the account was mine. XXXX XXXX was unable to do so and they sent me a letter deleting the account from all XXXX credit bureaus. Nowhere in this letter does it say they sold the account to a different collection agency nor did I ever receive any communication whatsoever from Capio Partners giving me 30 days to dispute the validity of the debt per the law. I called them on XXXX XXXX and spoke to XXXX of Capio Partners representatives and asked if they had ever sent anything to me in the mail and they stated they had not. They also never sent anything following that phone call since it was the first point of contact they are given 5 days to send a letter regarding the collection account giving me 30 days to dispute the validity. Instead I sent them a letter requesting validation and besides the fact that they never notified me of them obtaining this debt, they have an itemized statements of my supposed medical records but do n't have a HIPPA release with my signature nor a promise to pay with my signature. This is extremely fishy to me and the fact that they did n't follow the laws from the beginning means this debt is illegally reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15
Company: MONEY SOURCE, INC., THE
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our VA loan, The Money Source purchaced the note. We then changed insurance companies, these are things that should be no big deal. But The Money Source 1 ) overpaid insurance company approximatly {$700.00}, and said we were approximatly {$2400.00} in arrears to the escrow account. We called upon recieving the information when we logged in to make the mortgage payment. They told us that it was due to insurance and taxes. We made an extra {$1200.00} payment to help, and now we owe {$2600.00} ( approximatly ). We called back and asked for explinations, got the run around and they finally admitted to overpaying the insurance. ( 2 ) The Money Source still shows us with a {$0.00} balance in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Late fee

Complaint:
Payment Due Date was Saturday, XXXX XXXX, and was charged a Late Fee by Chase on Sunday, XXXX XXXX. Made Electronic Payment ( ACH ) on first Banking Day after Due Date, Monday, XXXX XXXX. Like XXXX XXXX Mail, ACH is only 'delivered ' on Banking Days, but Chase XXXX illegally I believe, insists payment must be received on Due Date, even though that is impossible. When I called, Chase said, since it was my first time, Chase would 'forgive ' the XXXX XXXX. It appears Chase actually does n't want people looking into their illegal practice of charging this Late Fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: FL
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:
While checking my credit, I noticed Equifax is still reporting wrong information on my report. I've been a victim of idenity theft. Equifax is saying the collection from FOCUS FINANCIAL IN THE AMOUNT OFF {$500.00} HAS BEEN VERIFIED, I FOUND THIS TO BE UNTRUE, BECAUSE XXXX  OR XXXX COULDN'T VERIFY THIS ACCOUNT AND IT HAS BEEN DELETED. EQUIFAX NEEDS TO FOLLOW SUIT AND DELETE THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Platinum Holdings Group, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX, an agent of PR Associates, XXXX, and Premium Receivables called my employment in an attempt to collect an unknown debt and threatened to send a lawsuit to an old address of mrine. I requested paperwork of said debt, yet he insisted that he could not provide such written hard copy paperwork for detail. Also, XXXX informed me that if I could not furnish a settlement by the end of the month. The lawyers are will notify the local court. He also suggested if I take out a payday loan, that would get me started on my first settlement payment of a debt I have no awareness of. 

The company PR Associates phone number is XXXX. This number usually changes suffixes to bounce around harassing calls as a deceptive way of not being discovered for these unlawful practices of soliciting money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a Chase Banking customer with a checking account since XXXX. During a 6 month unemployment period in XXXX I had gone into arrears as Pre-authorized payments were not cancelled in time. Chase advised me of the amount and I had been paying gradually through payroll direct deposit to reduce the balance owing. My account had apparently been closed in XX/XX/XXXX but I was able to make deposits into the account. However, when I filed my XXXX tax return, my CPA did not change the bank information, and the refund went to this closed account sometime in XX/XX/XXXX. Sometime around XX/XX/XXXX I was informed by the payroll department of my company that deposits into this checking account number were no longer being accepted. I have not received any notice from Chase that funds were deposited into a closed account. The IRS wrote me a letter that these funds were deposited electronically. If this is the case, then my overdraft should be clear and I want my checking account re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. XXXX is reporting that they are a creditor when they are not.

Company response to consumer: Closed with explanation