BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Kramer & Frank, P.C.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am tired of getting harassed by Kramer & Frank. Every time I made a little payment, they return it because they say that is not enough. I will ask you what it's enough, nothing or something. The other thing is Kramer and Frank doesn't have a consolidated account for XXXX XXXX XXXX, they have them separated and maybe that is ok but every time I contact them to make payment arrangements they are very rude and they demand their own monthly payment. I am a single mother and I can't afford whatever they want me to pay. They should give the consumer the chance of paying whatever is available to them. The lock you out of the account and you are not able to login at all, they would return your payment. But I have proof that I have tried to make payments in the past and they refuse. 

Kramer & Frank P.C., XXXX Single Payment ACH Debit Confirmation Payment Identification Number : XXXX Kramer & Frank, P.C., Account Numbers : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Current Balance : {$3600.00} Today 's Date : XX/XX/2020 Payment Date : XX/XX/2020 Amount of Payment : {$20.00} Payment Type : This is a single payment. 
Application of Payment : Your payment will be applied to your XXXX XXXX XXXX XXXX accounts in the order that Kramer & Frank, P.C., determines at the time of posting. 
Bank Routing Number : XXXX Bank Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX : XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED CASH FORWARD MASTER CARD. STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT RECEIVE MY STATEMENT FROM XXXX MONTH. I REQUESTED SEVERAL TIMES BUT TILL TODAY I DID NOT GET. ALTHOUGH I PAID ALL BILL ON TIME. CUSTOMER SERVICE OF THIS BANK IS VERY BAD. THEY HAVE NO RESPECT FOR CUSTOMER & THEY DO NOT CO-OPERATE WITH CUSTOMER.

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 2015-07-02
Company: Frontline Asset Strategies, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I moved from XXXX to XXXX in XXXX of XXXX. This debt has n't been paid since XXXX. Charge off date was XXXX/XXXX/XXXX. A collection agency purchased this debt. A judgement was issued on XXXX/XXXX/XXXX. I was n't notified of a hearing for this. I filed for bankruptcy in XXXX. The debt collector never responded to the court about requesting payment. On XXXX/XXXX/XXXX another collection agency purchased this judgement, this is the 3rd purchase of this old debt. They are now trying to collect this debt. This debt was given a chance to be part of my bankruptcy. I 'm now receiving only Social Security XXXX as my only source of income. I have no assets except for my XXXX, no cars, home ect. This credit card debt XXXX.How long can this be perused?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is that the account is reported as {$1100.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this account far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have already made the payment on this account and i should not have a balance on any of the credit bureaus please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: GA
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 reached out to Equifax Dispute team about XXXX weeks ago, concerning a misinformation on my credit report, which is fraudulent. I requested, it to be removed. However, they ignored my request. The alleged account ( XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX ) that is claimed to be owed was paid in full, after XXXX years. Per banking LAW states, All wagering monetary contracts are paid in full, after the third year of the initial signature ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX. ), anything after those XXXX years is purely fraud. This con-tract was paid in full by the interest XXXX XXXX wrote against my assets account. On top of a secret lien they placed on my personal private property, which still in affect, illegally and unlawful. The Comptroller General of the United States Government settled both accounts, issuing a Certificate of Settlement to the officials at those two corporations. These alleged debts were obligations of the United States Government, XXXX XXXX. 
15 U.S. Code 1691a ( 6 ) states, 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is against the LAW & it's forbidden to collect on an alleged debt for someone else other than that original, who is collecting his own debt, under the same name of his own. This indicates that a third party ( stranger ) is attempting to collect on an alleged debt that's does not belongs to them. This is a great violation. Equifax in the background allegedly conspiring to defraud XXXX XXXX as well as the United States of America for attempting to collect on a debt ( XXXX ) that was already paid in full. Now, XXXX and XXXX have updated their system after I informed them both, even Equifax but they refused. I refused to be used as collateral for any corporations bonded instruments. I refused to used what society called " Money '' the Federal Reserve Notes, which is a debt instrument, because I refused to be indebtedness to any foreign fiction entities, knowingly, there is no money in this country, only " CREDIT ''. I refused all underwritings, I refused to be an undersiger as well for these corrupted organizations CON - TRACTs out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am writing in regards to the apparent fraudulent access to my EDD/Bank of America account. 

On XX/XX/2021, I used my EDD/Bank of America debit card at a Bank of America ATM XXXX XXXX XXXX XXXX CA XXXX and withdrew {$1000.00}. 

On XX/XX/XXXX, I used my EDD/Bank of America app to check my account balance but the account had been locked so I could not access my account or see my statement. I then called customer service to tell them I could not access my account. I was put on hold for over 30 minutes. When I finally spoke to a representative, I expressed my concern about the fraud and they said that they had fixed the problem but gave me no solutions other than that they would send me a new card. They said that 5 separate withdrawals of {$1000.00} from the XXXX XXXX area during the days of XX/XX/XXXX - XXXX. 
I have never given my card to anyone, never used it online, I only use it at a Bank of America ATM near my house XXXX XXXX and definitely dont travel to XXXX California. 

Thursday XX/XX/XXXX I called the claim office where they said that the case was already closed but then reopened but still not providing me with any answers as to how these withdrawals happened or what would be done to compensate for the theft of my money. I dont understand how the case was closed without informing me about the investigation and without a resolution in place. All I am asking is for an investigation into how and who has accessed my EDD/Bank of America account and stolen {$5000.00} and when will I be compensated.

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 monetary relief
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank of America 's credit card debt of {$10000.00} was sent to a credit collection agency in XXXX. 
The agency or bank of America did not provide any notification about the charges or details of my debt. I received only phone calls but no other physical documentation. 
In XX/XX/XXXX, I sent a debt validation letter ( Registered Mail ) to the collection agency listed on my credit report. To date, this agency did not reply and keeps reporting about my debt. I am not sure who is the collection agency or how they came up with the money I owe and whenever I ask for details they don't provide any proof or validation. Thank you.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion continues to report a XXXX XXXX XXXX. They have sent a request that it be deleted from credit and this was over 2 months ago, they said max it would take 30 days. This continues to report and it needs to be removed ASAP.

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 WRITING TO YOU BECAUSE THE ACCOUNT OF XXXX XXXX IS REPORTING INCORRECT OR NOT THE SAME INFORMATION ON EACH BUREAU. I DO NOT BELIEVE THAT THE AGENCIES ARE DOING WHAT THEY ARE SUPPOSED TO BE DOING WHEN IT COMES TO INVESTIAGTING THIS REPORT. I AM BRINGING THIS COMPLAINT TO YOU BECAUSE UNDER THE FCRA THIS ACCOUNTIS AN INCOMPLETE ACCOUNT. IF YOU NOTICE ALL BUREAUS ARE REPORTING DIFFERENT INFORAMTION. THIS CLEARLY SHOWS INACCURATE INFORATION AND THAT THE COMPOANY IS INACURATELY REPORTING FALSE INFORMATION. THIS COMPOANY ALSO IS A FRAUDULANT COMPMAY WHERE AS I HAD REQUESTED VALIDATION OF THIS ACCOUNT AND THEY COULD NOT PROVIDE ME WITH ANY OF WHICH I WAS REQUESTING. IF THE OTHER TWO ARE REPORTING CURRENT AND POSITIVE WHY THE XXXX IS THIS ACCOUNT REPORTING THIS WAY INTRANSUNION?! I WOULD LIKE FO RIT TO BE REMOVED FROM MY REPORT WHICH IS HOLDING ME BACK FROM MOVING FORWARD.

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 2021-05-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was in a car accident in 2016 and I ended up having to go to the XXXX. The accident happened in a company car but I was considered an independent XXXX at the time and I had my own insurance to cover the costs of my medical issues. The hospital over heard me say it happened in a company vehicle and refused to bill my insurance and forced me, in my incompetent state to file for workman 's comp. The company I was working for at the time did not take responsibility for the medical bill I was left with. They fired me from my job because of this reason so I was unable to pay the bill off myself. I tried to submit to XXXX XXXX XXXX all the necessary information to dispute it so they would charge my insurance but they never contacted me back in regards to this bill so I was under the assumption they billed my insurance ( being the nave XXXX XXXX XXXX I was at the time ). Fast forward two years I make a XXXX XXXX account and it says I owe {$14000.00} to a debt collector 'Grant and Weber ''. I have received no notice what so ever about this account and was fully unaware and if I knew sooner I would have figured something out before it got to that point. I didn't get any notice from XXXX or the Collections company and the interest on this account goes up almost every week and is almost double the original amount of the bill I originally received. I am not understanding why this has happened and I would like to figure out my options moving forward considering I had no knowledge of this debt. I have learned some new information that Medical centers and collection agencies are legally not allowed to sell my medical information 's to company 's such as XXXX  XXXX, whether that be true or false I am just trying to get to the bottom of this. I have tried to dispute this with the collections agency and they are very rude and unhelpful and often times hang up on me. I've tried to dispute it through XXXX XXXX  and they deny it every single time. This is my last result of trying to handle this debt.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
inaccurate information on my credit report

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 2018-05-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Victim of a predatory Refi loan in 2007. It was suppose to be a cash out but a time of closing the XXXXongress Title closing agent said that the mortgage company is not doing a cash out just a conventional refi. Therefore the closing agent did not have all the closing docs including the HUD. She had me sign whatever docs she had. Later I discovered she signed the HUD and the appraiser fraudulently appraised the house. Appraiser stated that the house had gas and electric utilities when in fact it has below and underground oil tanks and oil heat. Never had gas utilities at property. Comps were inflated and done in another areas. Appraised {$95000.00} above market value. Today, lawyer is trying to foreclose using robo signed docs ( assignments, Mortgage, note ). CODI violations as well with multiple assignments.l have been in the foreclosure process of more than 9 years with two docket # s in XXXX County Court Hon XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, Chime Bank has blocked my checking account and credit builder account and I don't have access to my money. All my payments from the Illinois Unemployment Benefits are being frozen by Chime. I am 7 days late with rent payment because of Chime. I called Chime many times, and I sent them e-mails, and none of my emails have been answered yet. In addition, today is my due date for my XXXX XXXX credit card payment, otherwise they will report missed payment to the credit bureaus and my credit score will down. They are basically ruing my life with this. 

I expect access to my money as soon as possible before I get evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I 've been using my Citi Executive Card for over 8 months and have been paying my bill on time using the same bank account and routing number. However, in XX/XX/XXXX I made a payment of {$2700.00} to CitiBank and the amount went " missing '', the company blaming the problem on a " faulty bank account ''. The bank account was actually the same one I 've been using over the last 8 months to pay for my bill, and there was never an issue with it. I 've spoken to my bank and they claim the money was sent out ( the money is not in my bank account ). Additionally, the credit card company, CitiCard, is now failing to investigate this further and placing fees and additional interest rate to my card for their mistake.

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 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being called by XXXX XXXX at least 5 times a day. Just today, they called me from 5 different phone numbers, a couple from other area codes! I try to block the numbers every time, but day after day, I get call after call, always from a different number! This account was settled with the origional creditor, and I hold current accounts with that bank right now. I want XXXX XXXX to STOP calling me at al, much less 5 times a day from 5 different numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Midland Credit Management keeps calling my work number and hanging up on me. Called them and stated to them not to call my work number. They are continuing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX : XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I view my credit reports Transunion that reporting that from collection creditor ( XXXX ) account number XXXX.Adress XXXX.I contacted with XXXX collection department .I spoked with supervisor employee name XXXX and his contact number are XXXX.He verified account are not under my SSN or address and is not my account and I also talked to Transunion they cant not do anything but disputed, and i already did as XXXX/XXXX/2016 and file number XXXX and contacted with supervisor transunion XXXX from consumer contact dept.

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They keep running credit reports ( inquiries ) on my credit report which i did not authorizeXX/XX/XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my credit score

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 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I currently just moved and I have been trying to set up account Like credit and I finally looked up my credit and it says that I 'm a victim of identity theft but that is incorrect please contact me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Bank of America for over 3 years now trying to lower my monthly payments. I had a trial period but it was still to high. I am a single mother of XXXX small children and their father does n't always pay child support. I have been sending in document after document to bank of America and they said they are working on it. Then i just recently called them and they told me that the person who was working on my claim " Dropped the ball '' and did n't put the paper work in after it was received. and now i just found out that my house was put up for auction but i was never notified and i never recieved anything in the mail to tell me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief